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Rewards Mechanism

  • For every AED 1 :
    – 2.25 El smart miles on international spends (15% of the international miles in the “European Economic Area (EEA) countries, including UK)
    – 1.25 El smart miles on Domestic spends (80% of the base EI miles on Supermarkets, 10% of the base EI miles on fuel, telecommunication, etc).

Why We Choose It

  • Free for Life.
  • Welcoming bonus available although it is free for life card.
  • Varied options and good rates for points redemption.

Welcoming Gift/Bonus

Welcome bonus of 10,000 EI SmartMiles.

Annual Fee (inclusive of Vat)

No annual fee

Minimum Salary Requirement

AED 5,000

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 :
    – 2.25 El smart miles on international spends (15% of the international miles in the “European Economic Area (EEA) countries, including UK)
    – 1.25 El smart miles on Domestic spends (80% of the base EI miles on Supermarkets, 10% of the base EI miles on fuel, telecommunication, etc).

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

  •  Buy 1 Get 1 complimentary movie tickets in Reel Cinema.

Other benefits

  • 2-for-1 experience with Entertainer App.

Why We Choose It

  • Free for Life.
  • Welcoming bonus available although it is free for life card.
  • Varied options and good rates for points redemption.

What We Did Not Like

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

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.