At CardsMatcher Match Now Form to recommend you the matching card, read Terms & Condition. Privacy Policy
Learn more about FAQs

Rewards Mechanism

  • For every AED 1 :
    – 3.75 El smart miles on international spends.
    – 2.5 El smart miles on Domestic spends.
    – 1 EI Smart miles Supermarkets, Automobiles and Insurance, Education, Fuel, Real Estate, Government, Telecommunication, Quick Service Restaurant Spends  (Domestic and International).
    – 0.56 on European Economic Area (EEA) Countries Spends.

Why We Choose It

  • Low annual fee relatively.
  • Varied options and good rates for points redemption.
  • High Etihad Guest miles redemption rate.
  • High Skywards miles redemption rate.

Welcoming Gift/Bonus

Welcome Bonus when you get Emirates Islamic Bank Flex Elite Credit Card:

Annual Fee (inclusive of Vat)

AED 735

Minimum Salary Requirement

AED 15,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.69%

Rewards program

EI SmartMiles reward program.

Reward Mechanism:
  • For every AED 1 :
    – 3.75 El smart miles on international spends.
    – 2.5 El smart miles on Domestic spends.
    – 1 EI Smart miles Supermarkets, Automobiles and Insurance, Education, Fuel, Real Estate, Government, Telecommunication, Quick Service Restaurant Spends  (Domestic and International).
    – 0.56 on European Economic Area (EEA) Countries 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 Lounge access for the cardholder plus 1 guest.
  • 2 complimentary Marhaba Meet & Greet services per year if you maintain AED 7,500 monthly retail spend.
  • unlimited rounds of complimentary golf any day of the week.
  • 2 complimentary valet parking services per month if you maintain a monthly retail spend of AED 7,500.
  • up to 3 Buy‑1‑Get‑1 Reel Cinemas tickets per month with AED 5,000 monthly spend.
  • 15% discount on Emaar Entertainment Attractions (e.g., Dubai Aquarium, VR Park, KidZania)
  • Entertainment Attractions.

Other benefits

  • Multi Trip Travel Insurance.

Why We Choose It

  • Low annual fee relatively.
  • Varied options and good rates for points redemption.
  • High Etihad Guest miles redemption rate.
  • High Skywards miles redemption rate.

What We Did Not Like

  • Exchanging EI Miles for cashback is not available, according to the bank’s website.

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.

This website uses cookies to ensure you get the best experience on our website. Learn more about our Privacy Policy and Terms and Conditions.

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