Cashback %
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:
Receive a welcome bonus up to AED 1,750 with 175,000 EI SmartMiles.
- 75,000 EI SmartMiles (worth AED 750) upon payment of Annual Membership Fee.
- 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 30,000 within 60 days of Card issuance
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
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.
Airlines Program:
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.
Cashback %
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)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
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.
Airlines Program:
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.
