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PremiumVisa
Emirates Islamic
Flex Elite Credit Card
No salary transfer needed
Min. salary
AED 15,000
Annual fee
AED 735
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
Waived when annual spend reaches AED 180,000
01Fees & rates
What it costs.
- Annual fee
- AED 735
- Fee note
- Waived when annual spend reaches AED 180,000
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 15,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Up to 3.75 EI SmartMiles per AED 1 spend
- Complimentary unlimited access at 1000 lounges worldwide
- 2 complimentary valet parking services per month
- Unlimited rounds of complimentary golf
- Exchange SmartMiles for airline miles or vouchers
- Redeem against purchases globally
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 July 2026). Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.