Flex Covered Card

Earn up to 2.25 EI SmartMiles for every AED 1 of international spend and up to 1.25 EI SmartMiles for every AED 1 of domestic spend, redeemable with no blackout dates.

How often

Always on

How to use it

Activate in the bank's app — Login to EI+ Mobile Banking app, go to Flex Card in the Cards section, select EI SmartMiles balance and tap 'Redeem'.

Caps and limits

Earn rates stated as 'up to' 2.25 (international) and 1.25 (domestic) EI SmartMiles per AED 1

Where

All emirates, International

“International spend* Earn Up to 2.25 EI Smart Miles per AED 1 spend dynamic_feed Domestic Spend* Up to 1.25 EI Smart Miles per AED 1 spend”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/flex-card · Last checked 7 Sep 2026

Redeem EI SmartMiles instantly against any purchase at any merchant worldwide via Instant Purchase, or against 300+ airlines, 180,000+ hotels and car rentals from as low as 4,000 EI SmartMiles; miles can also be exchanged into partner loyalty programmes such as Emirates Skywards, Etihad Guest, Marriott Bonvoy, Qatar Avios, Air Arabia AirRewards, U By Emaar and Smiles.

How often

Always on

How to use it

Activate in the bank's app — Tap 'Instant Purchase' in the EI+ app, make the transaction with the Flex Card; within 5 days miles are deducted and a statement credit is posted.

Caps and limits

Redemptions start from as low as 4,000 EI SmartMiles

Where

All emirates, International

“Redeem your EI SmartMiles instantly against any purchase, anywhere in the world — no restrictions or blackout dates.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/flex-card · Last checked 7 Sep 2026

Receive up to two complimentary 'Buy 1 Get 1' movie tickets at Reel Cinemas each calendar month, valid any day of the week, subject to a minimum monthly retail spend of AED 3,000 on the card.

How often

2 uses a month

How to use it

Triggered by paying with the card — Book at Reel Cinemas and pay with the card; the Buy 1 Get 1 discount is applied, with spend criteria verified afterwards.

Caps and limits

Maximum two complimentary tickets per calendar month; minimum AED 3,000 retail spend in the calendar month required

Exclusions

If the spend criteria is not met or the maximum complimentary ticket usage is exceeded, the card is billed with the discount availed

Where

All emirates

“Enjoy up to two “Buy 1 Get 1” complimentary movie tickets each month, any day of the week.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/flex-card · Last checked 7 Sep 2026

School fee payments can be managed through an instalment plan available to Emirates Islamic cardholders.

How often

Always on

How to use it

Redeem on a website — Apply for the school fees instalment plan through Emirates Islamic.

Where

All emirates

“School Fees Installment Plan Manage school payments the easy way.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/flex-card · Last checked 7 Sep 2026

Access to over 900 prestigious hotels and resorts worldwide with best available rate guarantee, automatic room upgrade when available, complimentary in-room internet, complimentary continental breakfast, 3:00 PM check-out when available, VIP guest status and a USD 25 food or beverage voucher.

How often

Always on

How to use it

Redeem on a website — Book participating Luxury Hotel Collection properties through the designated programme booking channel using the Flex Credit Card.

Caps and limits

Room upgrade and 3:00 PM check-out subject to availability

Where

International

“Complimentary continental breakfast 3:00 PM check-out when available VIP Guest status USD 25 food or beverage voucher”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/flex-card · Last checked 7 Sep 2026

Transfer outstanding balances from cards held with other banks onto the Emirates Islamic Flex Credit Card.

How often

Always on

How to use it

Call the concierge line — Apply for a balance transfer with Emirates Islamic to move balances from other banks.

Where

All emirates

“Transfer the outstanding balance of your Card from other banks to your Emirates Islamic Flex Credit Card.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/flex-card · Last checked 7 Sep 2026

Obtain up to 80% of the available credit limit as instant cash transferred directly into your account, with fast approval and flexible repayment.

How often

Always on

How to use it

Call the concierge line — Request the Cash on Call facility from the bank; funds are credited to your account.

Caps and limits

Up to 80% of the available credit limit

Where

All emirates

“Get up to 80% of your available credit limit as instant cash directly into your account.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/flex-card · Last checked 7 Sep 2026

Convert purchases into 0% instalment plans over 3, 6, 9 or 12 months at major retailers such as Carrefour and Sharaf DG.

How often

Always on

How to use it

Call the concierge line — Request conversion of an eligible purchase into a 3, 6, 9 or 12 month instalment plan.

Caps and limits

Tenures of 3, 6, 9 or 12 months

Exclusions

Available at participating merchants such as Carrefour and Sharaf DG

Where

All emirates

“Convert your purchases into 0% instalments for easier budgeting and cash flow management. 3, 6, 9, or 12-month plans”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/flex-card · Last checked 7 Sep 2026

Ongoing merchant discounts for Emirates Islamic cardholders, including 25% at Dubai Dolphinarium, 25% off MakeMyTrip flight and hotel bookings, 20-25% at Flipped, up to 50% off ProShop services, 10-60% at Navrang Jewellers, 15% at Jewalleria, 10% at Justlife, 7-10% off Dollar Car Rental and 15% at Meraki Specialty Coffee.

How often

Always on

How to use it

Triggered by paying with the card — Pay at the participating partner merchant with an Emirates Islamic card to receive the stated discount.

Caps and limits

Discount percentages vary by merchant

Exclusions

Participating merchants only

Where

All emirates

“25% Dubai Dolphinarium 25% on Dolphin&Seal show and Exotic Bird 25% Makemytrip Plan your next holiday with MakeMyTrip & get 25% off on flight & hotel bookings.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/flex-card · Last checked 7 Sep 2026

Exclusive savings of up to 50% at world-famous UAE attractions when paying with the Emirates Islamic Visa Covered Card.

How often

Per event

How to use it

Triggered by paying with the card — Pay at participating UAE attractions with the Emirates Islamic Visa Covered or Debit Card.

Caps and limits

Discount stated as 'up to 50%'

Exclusions

Participating attractions only

Where

All emirates

“Up to 50% Off UAE Attractions Unlock exclusive savings on world-famous UAE attractions when you pay with your Emirates Islamic VISA Covered or Debit Card.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/flex-card · Last checked 7 Sep 2026

The manufacturer's warranty on eligible purchases made with the card is doubled for up to 12 additional months.

How often

Always on

How to use it

Applied automatically — Applies to eligible purchases made with the card; details at www.insurancecemea.com/home.

Caps and limits

Extension limited to a maximum of 12 months

Exclusions

Eligible purchases only

Where

All emirates, International

“Double your manufacturer’s warranty for up to 12 months and enjoy peace of mind on all eligible purchases.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/flex-card · Last checked 7 Sep 2026

Purchases made with the card are protected against theft or damage, providing additional peace of mind on every purchase.

How often

Always on

How to use it

Applied automatically — Cover applies to eligible purchases paid with the card; claims details at www.insurancecemea.com.

Where

All emirates, International

“Purchase protection provides you with additional peace of mind every time you make a purchase. It protects your purchases against theft or damage”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/flex-card · Last checked 7 Sep 2026