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Rewards Mechanism

  • Up to 3.75 El Smart Miles on international spends.
  • Upto 2.5 El Smart Miles on domestic spends.

Why We Choose It

  • No annual fee.
  • EI SMART MILES rewards program is very rewarding for the Emirati traveler.
  • Unique set of benefits like Padel clubs and Ladies clubs access.
  • Exclusive Metal Card designed for Emaratis.
  • Shariah Compliant Credit card.

Welcoming Gift/Bonus

  • Get AED 1,000 in EI SmartMiles when you spend AED 30,000 within 60 days of card activation.

Annual Fee (inclusive of Vat)

Free for Life credit card

Minimum Salary Requirement

AED 12,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.59%

Rewards program

  • El SmartMiles rewards program.
Reward Mechanism:
  • Up to 3.75 El Smart Miles on international spends.
  • Upto 2.5 El Smart Miles on domestic spends.

Redeem points:

You can exchange your EI SmartMiles for a range of partner loyalty programs. Additionally, utilize the “Instant Purchase” feature to redeem EI Miles for global purchases, with a statement credit applied within 5 days. The gifting option is also available for sharing your miles with others.

Key benefits

  • Complementary Airport Lounge Access for one person.
  • Global Concierge.
  • Travel Insurance.
  • Visa Luxury Hotel Collection.

Other benefits

  • 50% off your food orders twice a month on the Talabat app.
  • Complimentary Roxy Cinemas Ticket twice a month.
  • Access to Dubai Ladies Club & Sharjah Ladies Club.
  • Enjoy 15% off on Emaar Entertainment Attractions.
  • Meet & Greet Silver Service.
  • Two Valet Parking per month.

Why We Choose It

  • No annual fee.
  • EI SMART MILES rewards program is very rewarding for the Emirati traveler.
  • Unique set of benefits like Padel clubs and Ladies clubs access.
  • Exclusive Metal Card designed for Emaratis.
  • Shariah Compliant Credit card.

What We Did Not Like

  • This Visa Signature card offers Signature-level benefits, which may not be as appealing to holders of typical Infinite cards.

You ask, we answer

At CardsMatcher, our goal is to help people take control of their financial health and achieve their financial aspirations. We began with credit card matching, but we are committed to supporting individuals across the UAE in leading a financially healthy lifestyle, making informed decisions, and overcoming financial insecurity

Our reviews and ratings are based on competitive intelligence analysis, which compares UAE credit cards across various categories. We use different simulation techniques to identify the top cards for each category, tailored to different income profiles.

First, complete the “Find Your Card” survey to receive personalized recommendations for the best credit cards suited to your profile. Then, visit our Financial Wellness Library for useful tips and guides on credit cards. Stay tuned, as we plan to expand our coverage to include other banking products in the UAE.

Our team is reviewing your data and working diligently to recommend 3 credit cards that best match your profile. Please allow 3-5 business days for this process.

Yes, our service is entirely free, and we are committed to not charging any participants unless they opt for a private consultation. However, please be aware that we may receive compensation from banks for advertising purposes on our website, but this does not influence the recommendations we provide.

Yes, your privacy and security are our top priority. We ensure that your data is handled with the utmost care. We never share your information with third parties without your consent.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.