Emirates Islamic Bank Flex Credit Card Explained – Your Ultimate Guide

Nowadays, having a good and flexible credit card is important for managing your money and getting the most out of your spending. The Emirates Islamic Bank Flex Credit Card offers many benefits and features to meet the needs of different customers. This guide will look at the features, benefits, fees, and how to apply for the Emirates Islamic Bank Flex Credit Card.

Emirates Islamic Bank Flex Credit Card Overview

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The Emirates Islamic Bank Flex Credit Card gives you many benefits and is easy to use. It offers flexible payment options, a rewards program to earn and redeem EI SmartMiles, and follows Sharia rules. You can use it worldwide. Extra perks include free airport lounge access, travel insurance, easy instalment plans, and purchase protection. This card is perfect for anyone looking for a flexible and ethical way to manage their money.

Emirates Islamic Bank Flex Credit Card Benefits

Listed below are the benefits you can get Emirates Islamic Bank Flex Credit Card;

1. Welcome Bonus
Get a welcome bonus of up to 10,000 EI SmartMiles.

2. EI SmartMiles
Earn up to 2.25 EI SmartMiles for every AED 1 spent.

3. Instant Purchase
Use the “Instant Purchase” feature to redeem EI SmartMiles against any purchase worldwide at any merchant.

4. Easy Redemption
Redeem EI SmartMiles at over 300 airlines and 180,000 hotels worldwide.

5. EI SmartMiles Benefits
The EI SmartMiles rewards program offers travel, shopping, and lifestyle benefits. You can easily redeem them for flights, hotels, and retail transactions worldwide without any blackout dates.

6. Gift EI SmartMiles
Easily gift EI SmartMiles to loved ones. Select ‘Gift EI SmartMiles,’ choose the amount, and share the link with another EI SmartMiles member.

7. Online Marketplace
Shop a wide range of products with the EI Rewards online marketplace. Choose from fashion, electronics, and more, or opt for e-vouchers.

8. Extended Warranty
Get added extra years to the manufacturer’s warranty for your purchase.

9. Luxury Hotel Collection

• Enjoy a broad range of benefits at over 900 luxury hotels worldwide, including:
  • The best available rate guarantee
  • Automatic room upgrade upon arrival (when available)
  • Complimentary in-room Internet
  • Complimentary continental breakfast
  • 3:00 PM check-out (when available)
  • VIP Guest status
  • US$25 food or beverage voucher

10. Complimentary Reel Cinemas Movie Tickets
Get free complimentary movie tickets each month with a minimum monthly retail spend of AED 3,000.

11. Cash on Call Facility
Avail up to 80% of your available credit limit as Cash on Call with your Emirates Islamic Flex Credit Card.

12. Balance Transfer
Transfer the outstanding balance from other banks to your Emirates Islamic Flex Credit Card.

13. Easy Payment Plans
Enjoy 0% Easy Payment Plans for 3, 6, 9, or 12 months at partner outlets like Carrefour and Sharaf DG.

Emirates Islamic Bank Flex Credit Card Requirements

To verify your application, you’ll usually need:

• Emirates ID
• Salary Certificate
• Passport
• Security Cheque
• Trade Licence
• Bank Statements (most recent 3-6 months)

Note: These are the basic documents most banks require. The exact documents needed might vary by bank and credit card. Additional documents may be requested if necessary.

Emirates Islamic Bank Flex Credit Card Eligibility

To get the Emirates Islamic Flex Platinum credit card, you need:

• Be at least 21 years old
• Have a monthly salary of AED 5,000
• Provide the required documents for verification.
• Should be a UAE national or an expat.
• Have a good AECB credit score.

Emirates Islamic Bank Flex Credit Card Fees

Here are the fees associated with the Emirates Islamic Bank Flex Credit Card:

• Annual Fee: AED 735
• Finance Charges: 3.69% per month

How to Apply for Emirates Islamic Bank Flex Credit Card?

Follow these steps to apply for the Emirates Islamic Etihad Guest Platinum Credit Card:

1. Visit the official credit card webpage.
2. Click on “Apply Now”.
3. Enter your first name, last name, mobile number, and email address to register your interest.
4. Provide your company name and monthly income, then select your Emirate.
5. Agree to the terms and conditions.
6. Click “Submit”.

After your application is submitted, the bank will contact you through phone or email to discuss the next steps of the application.

Emirates Islamic Bank Flex Credit Card Contact:

For questions about the Emirates Islamic Etihad Guest Platinum Credit Card, you can contact:

• Phone: 600 599995
• Email: [email protected] 
• Business Banking: +971 (4) 3160080
• International Calls: +971 600599995

Final Takeaway:

The Emirates Islamic Bank Flex Credit Card is a useful and rewarding financial tool that meets the needs of many people. It offers flexible payment options, a great rewards program, and many extra benefits. It’s a top choice for anyone looking for a Sharia-compliant credit card. By learning about its features, benefits, and fees, you can decide if it’s the right card for you and take full advantage of what it offers.

For more details, visit the official Emirates Islamic Bank website.

Frequently Asked Questions (FAQs):

Q. What is the minimum salary for Emirates Islamic Bank credit card?
The minimum salary required is AED 5,000 per month.

Q. Can I earn EI SmartMiles on all transactions?
You can earn EI SmartMiles on all eligible transactions made with your Flex Credit Card.

Q. What should I do if my card is lost or stolen?
Contact the Emirates Islamic Bank customer service immediately to report the loss or theft of your card and request a replacement.