Emirates Islamic Flex Elite Credit Card

Emirates Islamic Flex Elite Credit Card

A survey report by Payfort reveals that there are more than 5 million credit card users in the UAE. And this number has only been increasing in the last few years. In fact, in 2017 65% more UAE residents applied for credit cards in 2017 as against 2016, reveals a study by Love in Dubai.

But why do credit cards remain so popular amongst the people in the UAE? The simple answer to this haunting question is the extensive range of offers and rewards offered by credit cards. In fact, 53% people in the UAE often spend on their credit cards with an objective to earn maximum value for their money by earning cashback and rewards, according to a study by McKinsey & Company. 

Owing to the fact that an increasingly large number of people in the UAE prefer using their cards to spend on all aspects of their lifestyle to maximize the value of their money, UAE’s frontrunner financial institution, Emirates Islamic launched its ground-breaking credit card in UAE - Flex Elite Card to help card members maximize the value of their spending with instant and flexible rewards redemption.

Loaded with an extensive range of fantastic rewards and instant redemption possibilities, Emirates Islamic Flex Elite Credit Card has been carefully conceptualised to ensure that card members get immense purchasing power and immense financial flexibility. Soon after its launch, the card became a name to reckon with in the UAE’s credit card industry forcing other credit card companies to rethink their strategy and plans on launching credit cards loaded with exclusive benefits for the card members.

About Emirates Islamic Flex Elite Credit Card

Introduced by Emirates Islamic in August 2016, Emirates Islamic Flex Elite Credit Card is a premium credit card product that has revolutionized the way credit cards are sold and used in the UAE region. The card ensures unmatched rewards, matchless benefits and complete convenience to help card holders make the maximum value for their money.

With its rather impressive line-up of ground-breaking features and lucrative rewards, Emirates Islamic Flex Elite Credit Card has consistently remained the top choice for both the UAE nationals and the expats alike, over the years. Flex Elite Card users have get to earn rewards for every dirham spent on the card and have access to instant rewards redemption. Emirates Islamic Flex Elite Credit Card packs in something for every type of spender, right from hotel offers to free air tickets and from excusive golf discounts to unmatched shopping benefits.

Packed with Emirates Islamic much acclaimed EI SmartMiles programme, Emirates Islamic Flex Elite Credit Card allows card members to use their card for all type of travel, lifestyle and shopping transactions and earn EI SmartMiles in return. These miles can easily be exchanged or redeemed for a wide range of options including free air tickets, hotels stays, discount deals and much more.  With so much and more on offer for card members, it comes as no surprise that new card seekers in the UAE region are often to be seen making a beeline to get their hands on this amazing credit card from Emirates Islamic.

Features of Emirates Islamic Flex Elite Credit Card

Over the years of its inception, Emirates Islamic has become a name to reckon with in the UAE’s finance industry. But what makes Emirates Islamic rather popular in the region is the fact the company has launched an extensive range of benefits laden Flex Elite credit card to ensure maximum value for money for the card users. Emirates Islamic Flex Elite Credit Card comes packed with a wide variety of ground-breaking and effective features to make spending exciting and rewarding in equal measures, for the card holders. Here is a list of some of the outstanding features of this amazing credit card by Emirates Islamic-

  • Automatic enrolment to EI SmartMiles
  • Instant EI SmartMiles redemption
  • Complimentary airport lounge access
  • Multi-trip travel insurance
  • Instant Purchase feature
  • Unlimited complimentary golf access
  • Visa PayWave**
  • Supplementary Card
  • Extended Warranty
  • Purchase Protection
  • Cash-on-Call
  • Cash Advance feature
  • Balance Transfer
  • Medical & Legal Referral
  • Fully Shari'a compliant

Benefits of Emirates Islamic Flex Elite Credit Card

With matchless travel benefits, lucrative shopping rewards and amazing lifestyle advantages, Emirates Islamic Flex Credit Card leaves its card members sheer spoilt for choices. But what makes this card so popular amongst people in the UAE is the fact that the rewards and benefits offered by this card are instantly redeemable, without having to run from pillar to post. Here is a list of some of the many effective benefits of Emirates Islamic Flex Elite Credit Card that make it a revered commodity amongst credit card users in the UAE.

  • 75000 EI SmartMiles as welcome bonus
  • 75 EI SmartMiles per 1AED for international spend
  • 5 EI SmartMiles per 1AED for domestic spend
  • Complimentary, unlimited access to over 750 airport lounges worldwide
  • Instant EI SmartMiles redemption
  • Miles exchange option with Etihad Guest and JetPrivilege
  • Unlimited complimentary golf access
  • Unlimited shopping at EI’s online market place
  • Free valet parking
  • Mazaya offers
  • Time out dining discounts

Eligibility

Listed below are the eligibility criteria for Emirates Islamic Flex Elite Credit Card-

  • Income Eligibility- AED 25,000 and above (Minimum monthly income)
  • Residential Eligibility - UAE residents with valid UAE residence Visa
  • Verification Eligibility - Age/Id Proofs

Top Reasons to Get Emirates Islamic Flex Elite Credit Card

A staggering line-up of innovative features and an amazing roster of benefits add to the popularity of Emirates Islamic Flex Elite Credit Card. Automatic enrolment to EI SmartMiles, instant rewards redemption, and a host of exclusive privileges, reasons are aplenty of get Emirates Islamic Flex Elite Credit Card. Let’s check out the top 5 reasons that make having Emirates Islamic Flex Elite Credit Card nothing less than an exclusive privilege.  

  1. EI SmartMiles - Emirates Islamic Flex Elite Credit Card helps card users get a direct access to the ever-so-popular EI SmartMiles rewards programme, without having to spend through their nose. EI SmartMiles is an innovative rewards platform that allows card members to earn miles for every dirham spent on their card and instantly redeem those miles against a wide range of benefits. Emirates Islamic Flex Elite Credit Card get 75000 EI SmartMiles as a welcome bonus. These miles can be redeemed for free flights, hotel bookings and a wide range of other shopping, lifestyle or travel benefits. There is no minimum or maximum redemption amount required and Emirates Islamic Flex Elite Credit Card users can earn unlimited EI SmartMiles.
  2. Additional Privileges - In addition to the direct access to EI SmartMiles, Emirates Islamic Flex Elite Credit Card members also get access to an extensive line-up of special, exclusive, additional privileges. Some such privileges are exclusive discounts at 900 luxurious hotels around the world, complimentary unlimited golf access at UAE’s finest golf courses, medical and legal referral, etc. These additional privileges make it easy for the card members to make the most of their spends put on the Emirates Islamic Flex Elite Credit Card.
  3. Purchase Protection - This is yet another irresistible reason why more and more people apply for Emirates Islamic Flex Elite Credit Card. Purchase protection feature of the card provides complete peace of mind to the card holders by ensuring a comprehensive coverage for all their purchases made using the Emirates Islamic Flex Elite Credit Card. Card members get USD 5000 per occurrence and USD 20,000 per year coverage against damage or loss of the purchased items. This coverage is available for 12 months from the date of purchase.
  4. Complimentary Lounge Access - This is yet another reason that often compels frequent flyers and business jetsetters to apply for Emirates Islamic Flex Elite Credit Card. Card users get exclusive access to over 750 airport lounges worldwide giving them a reason to arrive at the airport early. Card members can unwind and relax at one of the many premium airport lounges across the globe before hopping aboard their flights.
  5. Complimentary Golf Access- This is one of the reasons that attract most golf lovers in the UAE to apply for Emirates Islamic Flex Elite Credit Card. The card allows card members to enjoy unlimited complimentary golf at two of UAE’s finest golf clubs - Arabian Ranches Golf Club and Track Meydan Golf Club. This facility is available for the card members both on the weekends and on the weekdays.

Emirates Islamic Flex Elite Credit Card Offers (Updated in June 2018)

  • Welcome bonus of 75,000 EI SmartMiles (No Promo Code Required)
  • Exclusive Mazaya offers (No Promo Code Required)
  • Free valet parking (No Promo Code Required)
  • Exclusive 2-for-1 deals on food, entertainment & shopping (No Promo Code Required)
  • 5,000+ travel discounts (No Promo Code Required)
  • Up to 25% off at Ski Dubai (No Promo Code Required)
  • Up to 25% off at Magic Planet (No Promo Code Required)
  • Up to 25% off at Agoda.com (No Promo Code Required)
  • Up to 10% off Sprii.com (Promo Code- VISAEXPlore10)
  • Up to 10% off Sprii.com (Promo Code- VISAEXPlore10)
  • Up to 20% off at Premier Inn (Promo Code- PI-VISA)

Fees and Charges

Annual Membership Fee

700

Cash Advance Fee

3% of cash advance amount or AED 99 whichever is higher (This will be revised to 3% of cash advance amount or AED 149 whichever is higher effective April 01, 2019)

Maximum cash advance per transaction       

10,000 or 50% of the card limit whichever is lower

Over limit fee

AED 249 (This will be revised to 279 effective April 01, 2019)

Late payment fee

AED 225

Card replacement fee

Free (This will be revised to 50 effective April 01, 2019)

Copy of sale voucher

AED 50

Overseas transaction in UAE Dirhams           

1.99%

Forex Charges  

2.34%

Minimum Payment Due

5% of statement balance PLUS any overdue amount, or AED 100, whichever is higher

No Liability Certificate

AED 50

Liability Letter

AED 50

Paper statement fee

10 (No Charge for Priority customers)

Cheque & Direct Debit Return     

AED 100

E statement

Free

 

Emirates Islamic Flex Elite Credit Card Rewards

  1. EI SmartMiles - Emirates Islamic Flex Elite Credit Card provides card members with direct access to EI SmartMiles programmem without having to spend through their nose. This innovative and flexible credit card rewards programme ensures rewarding experience for the Flex Elite Credit Card members by giving them access to matchless travel, lifestyle, and shopping benefits. With EI SmartMiles, these benefits and rewards are up for instant redemption.

For every 1 AED spend on international and domestic spend, Emirates Islamic Flex Elite Credit Card get to earn 3.75 and 2.5 EI SmartMiles, respectively. These EI SmartMiles can easily be redeemed for a wide range of options including the travel, shopping and lifestyle categories.

In addition, card members who are members of Etihad Guest and/or JetPrivilege may also exchange the EI SmartMiles for exclusive privileges, special discounts and a host of other special deals with Eithad Airways and Jet Airways. In addition, Emirati Islamic Flex Credit Card members are rewarded with 75000 EI SmartMiles as welcome bonus.

  1. Mazaya Rewards - Emirates Islamic Flex Elite Credit Card is also linked with Mazaya Offers Platform that allows card members to earn exclusive travel, shopping and dining discounts with Mazaya. Card members can get up to 30% discounts at more than 2000 restaurants throughout the UAE, and special shopping discounts at partner outlets across the UAE.
  2. Unlimited Golf Access- Emirati Islamic Flex Credit Card members also get to earn unlimited complimentary golf access at Arabian Ranches Golf Club and Track Meydan Golf Club on weekdays as well as weekends. In addition, the card members also get exclusive discounts on up to 10% off the ‘Best Available Rates’ on all days.

How to Earn Rewards?

1. EI SmartMiles - It is easy for Emirates Islamic Flex Elite Credit Card members to earn and redeem their EI SmartMiles for a staggering line of benefits across travel, shopping and lifestyle categories. Card members get to earn EI SmartMiles for every dirham spent using the Emirates Islamic Flex Elite Credit Card and these EI SmartMiles can be instantly redeemed at EI SmartMiles mobile app or website, without having to worry about blackout dates.

Here is the EI SmartMiles earning rate for Emirates Islamic Flex Elite Credit Card holders-

 

Joining bonus

75,000 EI SmartMiles

International spend

3.75 EI SmartMiles (1 AED)

Domestic spend

2.5 EI SmartMiles (1 AED)

 

2. Mazaya Rewards - It is easy to earn Maazaya rewards and offers for Emirates Islamic Flex Elite Credit Card members. All one needs to do is to present the card when dining, travelling or shopping across the UAE.

How to Redeem Your Points?

Redeeming EI SmartMiles is simple and easy for Emirates Islamic Flex Elite Credit Card members. The EI SmartMiles accumulated by card members can be instantly redeemed for multiple rewards, benefits and privileges.

Here’s how card members can redeem their EI SmartMiles-

1. EI SmartMiles Mobile App - EI SmartMiles App is an innovative mobile app that makes redemption of EI SmartMiles a rather simple process for Emirates Islamic Flex Elite Credit Card members. This easy-to-navigate and user-friendly mobile app helps card members redeem their EI SmartMiles for free flights, hotel stays, miles exchange, and for transacting with retail websites and outlets from around the world, instantly in just a few seconds and even on-the-go.

Here’s how Emirates Islamic Flex Elite Credit Card members use EI SmartMiles app to redeem miles-

  • Install EI SmartMiles App from Apple App Store or Google Play Store.
  • Click on 'Activate'.
  • Enter Loyalty ID number available on the flip side of the card.
  • Enter date of birth and full name.
  • Create username and password and sign up for EI SmartMiles account.

After following these easy steps, Emirates Islamic Flex Elite Credit Card users can easily start redeeming their miles through the EI SmartMiles app.

2. Miles Exchange - In addition to redeeming EI SmartMiles for benefits and rewards, Emirates Islamic Flex Elite Credit Card members can also exchange their miles for exclusive privileges and travel benefits with Etihad Airways and Jet Airways. For this card members need to be active members of Etihad Guest and/or JetPrivilege.

Illustrated below is the evaluation of EI SmartMiles for Miles Exchange with JetPrivilege  and Etihad Guest Frequent Flyer Programmes-

 

10,000 EI SmartMiles

2,500 Etihad Miles

20,000 EI SmartMiles

4,000 JetPrivilege Miles

 

Here’s the step-by-step guide to exchanging miles-

  • Visit www.eismartmiles.ae
  • Click on 'Miles exchange'
  • Select Miles exchange option
  • Choose from 'Etihad Guest' and JetPrivilege
  • Enter Etihad Guest or JP membership number
  • Choose the quantity of EI SmartMiles for Miles Exchange
  • Click on submit button

It typically takes 5 working days for the Miles Exchange process to be completed. 

3. Free Travel - Emirates Islamic Flex Elite Credit Card users can also instantly redeem their EI SmartMiles for free travel and other matchless travel benefits. EI SmartMiles can be redeemed to book free flights with over 300 airlines or to book hotel stays at over 180000 luxurious properties worldwide. These EI SmartMiles may also be used to avail car rental and airport transfer services.

4. Instant Purchase - Instant Purchase is an innovative feature that makes EI SmartMiles such a popular credit card rewards programme in the entire UAE region. With Instant Purchase feature, Emirates Islamic Flex Elite Credit Card users can instantly purchase items of their choice from a retail outlet or a shopping website from anywhere in the world.

Here’s how Instant Purchase feature works-

  1. Card members activate the Instant Purchase feature on their card.
  2. They use their Emirates Islamic Flex Elite Credit Card to purchase items of their choice from a retail outlet of website of their choice.
  3. After 5 days, EI SmartMiles, equivalent to the amount of purchase, is deducted from the account and a statement credit is posted to the card account.
  4. Online Marketplace - Emirati Islamic Flex Elite Credit Card members can also visit the official online marketplace hosted by EI SmartMiles and redeem their miles for purchasing items of their choice, right from haute couture to sophisticated electronics. Those want to indulge in retail therapy at one of the plush malls in the UAE may redeem their EI SmartMiles for e-vouchers and shop at one of the many malls in the UAE using the e-voucher.

Additional Information / Documentation

To apply for Emirati Islamic Flex Elite Credit Card, all one needs to do is fill the online form and provide the documents listed below-

  • Passport Copy
  • Emirates ID
  • Salary Certificate
  • 3 month bank statement

How to Apply For Emirates Islamic Flex Elite Credit Card?

Emirates Islamic Flex Elite Credit Card can play a vital role in simplifying one’s life by maximizing the value for every dirham spent. But when applying for this card, it’s important to be careful and diligent. It makes sense to get acquainted with some ground rules of the application process before applying for the Flex Elite Credit Card. After all, waiting for the approval of a credit card could prove to be a scary task.

Here’s how to successfully apply for Emirates Islamic Flex Elite Credit Card and maximize the chance of getting the application approved-

  1. Applicants must do well to acquaint themselves with the key features and benefits offered by the credit card. This can help them understand see if the card matches their needs and wants or not. Also, one must remain careful of checking the fee structure, interest rates, grace periods, associated penalties, and rewards & benefits of the card before applying for it.
  2. Finance experts suggest that comparing different credit cards can help applicants find the best credit card suiting their preferences and requisites. Applicants must do well to look out for the reviews on the fees, features, benefits and the customer service offered by the intended credit card company. Policybazaar.ae is a revolutionary platform that allows credit card applicants in the UAE to easily compare multiple features and benefits of different credit cards in the region to make a well informed decision. In addition, card applicants may also read exhaustive credit card reviews, fee details and information on key features and benefits of the card before applying for it.
  3. Applicants must also collect all the important and relevant documents to apply for the card. For Emirates Islamic flex Elite Credit Card, applicants need to have Emirates Id, a valid residence visa, copy of the passport, copy of bank statement, and salary certificates.
  4. Applicants must always furnish accurate and updated details, whether personal or financial, to ensure that the card application is not rejected. Providing false or inaccurate information when applying for the Emirates Islamic Flex Elite Credit Card may lead to a lot of hassles the applicants. Card companies may also choose not to entertain any future application from those providing incorrect or inaccurate information when applying for credit cards in the UAE.

FAQ's

Question 1- Is it possible to withdraw cash via Emirates Islamic Flex Elite Credit Card?

Answer- Yes! Emirates Islamic Flex Credit Card members can withdraw cash using their credit cards from over 780,000 ATMs in the UAE and worldwide. There is a nominal fee charged as the cash advance fee for withdrawing money using Emirates Islamic Flex Credit Card. 

Question 2- Do Emirates Islamic Flex Elite Credit Card members get supplementary cards?

Answer- Yes! Interested Emirates Islamic Flex Credit Card users may get up to 4 supplementary cards. These supplementary cards also earn the same number of miles, rewards and benefits as the primary card.

Question 3- Is there an annual fee for Emirates Islamic Flex Elite Credit Card?

Answer- Yes! There is an annual membership fee of AED 700 for Emirates Islamic Flex Elite Credit Card.

Question 4- Is Emirates Islamic Flex Elite Credit Card Shari'a compliant?

Answer- Yes! Emirates Islamic Flex Credit Card is fully Shari'a compliant. There are no interest charges. However, there is fixed monthly fees for the various features and benefits provided on the card.

Question 5- How many EI SmartMiles are provided as welcome bonus for Emirates Islamic Flex Elite Credit Card?

Answer- 75,000 EI SmartMiles are given as welcome bonus with Emirates Islamic Flex Elite Credit Card.