Flex Elite Covered Card

Access over 1,200 airport lounges worldwide for the cardholder and one guest via the Visa Airport Companion app. The first two visits each calendar year are complimentary; further complimentary visits require a minimum foreign currency spend of USD 1 at least 15 days before the visit.

How often

Always on

How to use it

Redeem in a partner app — Access lounges exclusively via the Visa Airport Companion Mobile App.

Caps and limits

First two visits per calendar year complimentary; thereafter a minimum foreign currency spend of USD 1 or equivalent is required at least 15 days prior to the visit, else USD 32 per visit is charged.

Exclusions

Each accompanying guest beyond the one-guest allowance is charged USD 32 per person per visit.

Where

All emirates, International

“Experience access to 1,200+ airport lounges worldwide and bring one guest along to share the experience.”

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

Enjoy up to two complimentary Marhaba Meet & Greet Silver Service airport experiences every year, subject to a minimum monthly (calendar month) retail spend of AED 5,000 on the card.

How often

2 uses a year

How to use it

Redeem on a website — Book the Marhaba Meet & Greet service via the Book now link on the card page.

Caps and limits

Maximum 2 services per year; minimum monthly calendar-month retail spend of AED 5,000 required.

Exclusions

If usage is exceeded or the spend criteria are not met, the card is billed the applicable service fee.

Where

All emirates

“Enjoy up to two complimentary Marhaba Meet & Greet services every year for a seamless airport experience.”

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

Earn up to 3.75 EI SmartMiles per AED 1 on international spend and up to 2.50 EI SmartMiles per AED 1 on domestic spend, redeemable for flights, hotels, instant purchases or transfers to partner loyalty programmes.

How often

Always on

How to use it

Activate in the bank's app — Miles accrue automatically on spend; log in to the EI + Mobile Banking app, open the Flex Elite card in the Cards section, select the EI SmartMiles balance and tap Redeem.

Caps and limits

Up to 3.75 miles per AED 1 international spend; up to 2.50 miles per AED 1 domestic spend; redemptions start from 4,000 EI SmartMiles.

Where

All emirates, International

“Receive up to 3.75% back in EI SmartMiles”

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

Get 20% off all movie tickets and 20% off food and beverages purchased on-site at all Roxy Cinemas branches in the UAE, valid until 30 April 2027.

How often

Always on

How to use it

Triggered by paying with the card — Pay with your Emirates Islamic card at Roxy Cinemas to receive the discount.

Caps and limits

Offer valid until 30 April 2027.

Where

All emirates

“20% off all movie tickets at Roxy Cinemas. 20% off food and beverages purchased on-site. Offer valid until 30 April 2027.”

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

Enjoy up to 3 "Buy 1 Get 1" complimentary Reel Cinemas movie tickets every month, any day of the week, subject to a minimum monthly retail spend of AED 5,000 on the card.

How often

3 uses a month

How to use it

Triggered by paying with the card — Buy tickets with the Flex Elite Covered Card to receive the Buy 1 Get 1 benefit at Reel Cinemas.

Caps and limits

Minimum monthly retail spend of AED 5,000; maximum 3 complimentary tickets per month.

Exclusions

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

Where

All emirates

“you can enjoy up to 3 "Buy 1 Get 1" complimentary movie tickets every month, any day of the week”

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

Through Visa's xperience with the ENTERTAINER, enjoy Buy 1 Get 1 offers at dining, beauty and fitness outlets, with savings across restaurants, salons and gyms via the app.

How often

Always on

How to use it

Redeem in a partner app — Download the xperience by ENTERTAINER app and redeem offers when paying with your Visa card.

Where

All emirates

“With Visa, enjoy Buy 1 Get 1 offers at your favourite dining, beauty, and fitness outlets through xperience with the ENTERTAINER.”

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

Enjoy up to AED 100 off on Careem DineOut when paying with your Emirates Islamic card.

How often

Per event

How to use it

Redeem in a partner app — Pay through Careem DineOut using your Emirates Islamic card.

Caps and limits

Discount capped at AED 100.

Where

All emirates

“Enjoy up to AED 100 off on Careem DineOut”

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

Manage school fee payments with a dedicated school fees instalment plan available on Emirates Islamic cards.

How often

Always on

How to use it

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

Where

All emirates

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

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

Enjoy unlimited complimentary golf rounds at a wide range of golf club locations on weekends or weekdays, subject to a minimum monthly (calendar month) retail spend of AED 10,000 on the card.

How often

Always on

How to use it

Redeem on a website — Book your game through the designated golf booking platform and present the card at the club.

Caps and limits

Minimum monthly calendar-month retail spend of AED 10,000 required.

Exclusions

If the spend criteria are not met or you no-show at the club, the card is billed the applicable green fee.

Where

All emirates

“Enjoy unlimited complimentary golf rounds at a wide range of golf club locations on weekends or weekdays.”

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

Get a 10% discount on bookings at over 2,500 onefinestay properties across London, Paris, Rome, Milan, New York, Los Angeles, San Francisco, Miami and Boston, plus exclusive collections in other destinations.

How often

Per event

How to use it

Redeem on a website — Book through the onefinestay partner channel and pay with the card.

Where

International

“Get 10% discount on bookings at over 2,500 properties across London, Paris, Rome, Milan, New York, Los Angeles, San Francisco, Miami, and Boston.”

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

Privileges at over 900 prestigious properties worldwide including 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

Per event

How to use it

Redeem on a website — Book participating Luxury Hotel Collection properties via the programme link using the Emirates Islamic Flex Covered 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-elite-card · Last checked 7 Sep 2026

Access exclusive travel offers through Visa's global platform, with savings of up to 35% on hotel stays, car rentals and travel packages, locally and internationally.

How often

Per event

How to use it

Redeem on a website — Book through Visa's travel offers platform using the Emirates Islamic Visa covered card.

Caps and limits

Savings of up to 35%.

Where

All emirates, International

“Save up to 35% on hotel stays, car rentals, and travel packages. Offers available locally and internationally.”

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

Consolidate outstanding balances from other banks onto the Flex Elite Covered Card into a single payment plan at a reduced profit rate, with profit-free periods available.

How often

Always on

How to use it

Call the concierge line — Request a balance transfer from your other bank cards to your Emirates Islamic Flex Covered Card.

Where

All emirates

“Transfer balances from multiple cards into one convenient payment. Reduced profit rate to help clear debt faster.”

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

Convert purchases into 0% instalments over 3, 6, 9 or 12-month tenures, profit-free at participating merchants including 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 at partner outlets.

Caps and limits

Tenures of 3, 6, 9 or 12 months; profit-free at participating merchants only.

Where

All emirates

“Convert your large transactions into 0% instalments with flexible tenures, giving you full control over your finances”

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

Up to 60% off the recommended retail price at Bicester Village Shopping Collection luxury outlet villages, plus a VIP voucher for an additional 10% savings on purchases at any European location and 15% off Shopping Express coach, shopping packages and chauffeur drive service.

How often

Per event

How to use it

Voucher code — Claim the VIP voucher via the Visa benefits claim process and present it at the outlet village.

Caps and limits

Additional 10% VIP voucher saving; 15% off Shopping Express service.

Where

International

“Receive a VIP voucher for an additional 10% savings on purchases at any of the Bicester Village Shopping Collection locations in Europe”

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

A dedicated global hotline providing 24/7 assistance anywhere in the world for travel, dining and lifestyle bookings, including flights, hotels, restaurants and events.

How often

Always on

How to use it

Call the concierge line — Call UAE Toll-free 800 0441 3487 or +971 4 361 1234, or email concierge@visasignature-mea.com.

Where

All emirates, International

“Get 24/7 assistance anywhere in the world for travel, dining, and lifestyle bookings.”

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

Get up to 80% of your available credit limit as instant cash directly into your account, with fast approval and flexible payment options.

How often

Always on

How to use it

Call the concierge line — Request Cash on Call through Emirates Islamic banking channels.

Caps and limits

Up to 80% of 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-elite-card · Last checked 7 Sep 2026

Unlock savings of up to 50% on world-famous UAE attractions when paying with your Emirates Islamic Visa Covered or Debit Card.

How often

Per event

How to use it

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

Caps and limits

Discount up to 50%.

Where

All emirates

“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-elite-card · Last checked 7 Sep 2026

Visa's multilingual Global Assistance team is available 24/7, year-round for all Visa Infinite cardholders to provide support in case of lost or stolen cards.

How often

Always on

How to use it

Call the concierge line — Within the UAE call 866-654-0112; outside the UAE call +1 303 967 1090.

Where

All emirates, International

“Visa’s multilingual Global Assistance team is available 24/7 to support you in case of lost or stolen cards.”

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

Doubles the manufacturer's warranty for up to one additional year on eligible purchases made with the Flex Elite Covered Card, with automatic coverage and no registration needed, applied globally across qualifying products.

How often

Always on

How to use it

Applied automatically — Automatic coverage, no registration needed; purchases must be made with the Flex Elite Covered Card.

Caps and limits

Doubles the manufacturer's warranty for up to one year.

Exclusions

Only eligible/qualifying products purchased with the card.

Where

All emirates, International

“Double the manufacturer’s warranty for up to one year on eligible purchases. Valid for purchases made with your Flex Elite Covered Card. Automatic coverage, no registration needed.”

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

Complimentary access to Sharjah Ladies Club including pool and beach access, gymnasium and outdoor activities, subject to a minimum monthly retail spend of AED 5,000 on the card.

How often

Always on

How to use it

Redeem on a website — Book via the Book Now link and present the Emirates Islamic covered card at the club.

Caps and limits

Minimum monthly retail spend of AED 5,000 required.

Exclusions

If the spend criteria are not met, the card is billed the applicable service fee.

Where

Sharjah

“Complimentary access to Sharjah Ladies Club in the UAE. Enjoy pool and beach access, gym facilities, outdoor activities, and more.”

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

Automatic travel accident and travel inconvenience takaful cover for all trips lasting up to 90 days with the Flex Elite (Infinite) Visa Covered Card; a travel takaful certificate can be downloaded.

How often

Always on

How to use it

Applied automatically — Cover applies automatically; download the travel takaful certificate from the card page.

Caps and limits

Cover applies for trips lasting up to 90 days.

Where

International

“Enjoy automatic protection with travel accident and travel inconvenience takaful for all trips lasting up to 90 days.”

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

Enjoy two complimentary valet parking services each month at designated locations across the UAE by presenting the Flex Elite covered card at the valet desk. Requires a minimum monthly (calendar month) retail spend of AED 5,000 (AED 7,500 from 01 March 2026).

How often

2 uses a month

How to use it

Triggered by paying with the card — Present your Emirates Islamic Flex Elite covered card at the valet parking desk at participating locations.

Caps and limits

Minimum monthly calendar-month retail spend of AED 5,000 (AED 7,500 from 01 March 2026); maximum 2 services per month.

Exclusions

If the spend criteria are not met or the maximum complimentary services are exceeded, the card is billed the actual service amount.

Where

All emirates

“Indulge in the convenience of 2 complimentary valet parking services each month at designated locations throughout the UAE.”

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