Compare Financial Products
Select 2-4 products to compare side by side. See fees, rates, rewards and eligibility at a glance.
| Feature |
Emarati Credit Card
|
Flex Elite Credit Card
|
|---|---|---|
| Phone Banking | ||
| Hotel Discounts & Offers | ||
| Fuel Back | — | |
| SMS Alerts | ||
| Global Acceptance | ||
| Supplementary Cards | ||
| Exclusive Discounts | ||
| Lounge Access | unlimited complimentary access to over 1000 airport lounges worldwide | Enjoy unlimited complimentary access to over 1000 airport lounges with a guest |
| Travel Benefits | ||
| Dinning Benefits | ||
| Entertainment Benefits | ||
| Shopping Discounts | — | — |
| Visa Assistance | — | |
| Vehicle Assiatance | — | |
| Lifestyle Privileges | ||
| Ticket/Flight Booking | — | — |
| Extended Warranty | ||
| Medical Assistance | — | |
| Purchase Protection | ||
| Internet Banking | — | — |
| ARP | — | — |
| Travel Discount | Up to 3.75 EI SmartMiles per 1 AED spend | Up to 3.75 EI SmartMiles per AED 1 spend |
| Rewards Program | — | — |
| Reward Points | 2.5 SmartMiles/AED 1 local, 3.75 intl | Up to 3.75 EI SmartMiles per AED 1 |
| Maximum Credit Limit | — | — |
| Interest Free Days | ||
| Balance Transfer Rate | — | — |
| Cash Advance Fee Annual (PKR) | — | — |
| Cash Advance Rate (%) | — | — |
| Late Payment Fee (PKR) | — | — |
| Foreign Transaction Fee (PKR) | — | — |
| Targeted For | — | — |
| Min. Income for Salaried (PKR) | — | — |
| Min. Income for Businessman (PKR) | — | — |
| Best Suitable For | — | — |
| Minimum Age (Years) | ||
| No. of Supplementary Cards | 4 | |
| Payment Network | — | — |
| Annual Fees | No Annual Membership fees | — |
| Minimum Salary | — | — |
| Welcome Offer | Up to 100,000 EI SmartMiles | Up to 150,000 EI SmartMiles + AED 100 Amazon voucher |
| Contactless Payments | — | — |
| Security and Insurance Benefits | — | — |
| Membership | — | — |
| Concierge services | — | — |
| Valet parking | 2 valet parking service per month | 2 complimentary valet parking service per month |
| VIP access | — | — |
| Points/Miles per year | — | — |
| Bonus Points | — | — |
| dnata Points | — | — |
| Interest Rate | 2.99% per month | 2.99% per month |
| Golf privileges | — | Unlimited rounds of complimentary golf any day of the week |
| Guest Miles | — | — |
| Discounts | — | Complimentary Access to Dubai Ladies Club & Sharjah Ladies Club, Complimentary Reel Cinemas Movie Tickets... |
| Security (Double Secure)/ Insurance benefits | — | — |
| Financial Benefits | Multi-trip travel insurance | Multi Trip Travel Insurance |
| Installment Plan | — | — |
| Savings | — | — |
| Global customer assistance service | — | — |
| Vouchers | — | — |
| Entertainment Discounts | Enjoy 15% off on Emaar Entertainment Attractions | Enjoy 15% off on Emaar Entertainment Attractions |
| Shopping Discounts | — | — |
| Buy 1 get 1 free | Enjoy up to 2 “Buy 1 Get 1” complimentary movie tickets each month, any day of the week | — |
| Lounge Access | unlimited complimentary access to over 1000 airport lounges worldwide | Enjoy unlimited complimentary access to over 1000 airport lounges with a guest |
| Careem Offers | — | — |
| Minimum Salary | — | — |
| Wifi Vouchers | — | — |
| Etihad purchases | — | — |
| Additional Points | Instant purchase, Gift EI SmartMiles, Online Market Place, Visa Luxury Hotel Collection, | — |
| Skywards Miles | — | — |
| Cashback | — | — |
| RTA Benefits | — | — |
| Security Deposit | — | — |
| Purchase APR | — | — |
| Digital Wallet | ||
| Fitness First | — | — |
| Monthly minimum payment | — | — |
| PayProtect insurance | — | — |
| Easy payment plans | — | — |
| Education Protection cover | — | — |
| Vehical Services | — | — |
| Monthly card subscription | — | — |
| Credit Sheild Takaful | — | — |
| Withdrawal limit | — | — |
| Priceless Arabia | — | — |
| Global Cardholder Assistance Services | — | — |
| Lost & stolen card reporting | — | — |
| Emergency card replacement | — | — |
| Medical & legal referral | — | — |
| Time out offers | — | — |
| Merchant discount offers | — | — |
| Exclusive merchant offers | — | — |
| Chip/Pin | ||
| Anniversary bonus miles | — | — |
| Quarterly bonus miles | — | — |
| Instant Cash | — | — |
| Wifi Access | — | — |
| Etihad Tier Mile | — | — |
| Skyways Miles | — | — |
| Takaful Protection | — | — |
| Smile Bonus | — | — |
| Cash Withdrawal Fee | — | — |
| Cash advance fee | — | — |
| Foreign currency transaction fee | — | — |
| Eligibility | — | — |
| Fixed Annual percentage rate | — | — |
| Air Miles | — | — |
| Payment Flexibility | — | — |
| International Transaction Fee | — | — |
| Tawarruq fee | — | — |
| E-wallet service | — | — |
| Fully Sharia Compliant | ||
| Visa’s Pre-Arbitration chargeback Fee | — | — |
| Cash advance Limit | — | — |
| Purchasing Waiver Period | — | — |
| Minimum Monthly Payment | — | — |
| Card Re-activation Fee | — | — |
| Card Replacement Fee | — | — |
| Tawaroq Profit Margin | — | — |
| Monthly Tawaroq Profit Margin | — | — |
| About Supplementary Card | — | — |
| Statement Issuance Frequency | — | — |
| Card Limit | — | — |
| Issuance Fee | — | — |
| Supplementary Card Fee | — | — |
| Cash Transfer from card to account | — | — |
| Dispute Fee | — | — |
| Fees for adding currencies | — | — |
| Annual profit rate | — | — |
| Credit Card Purchase Rate | — | — |
| Duplicate Statement Fee | — | — |
| Temporary Line Increase Fee | — | — |
| Transaction Dispute Fee (Unsuccessful) | — | — |
| Monthly Profit Margin | — | — |
| Cashback Percentage(%) | — | — |
| Cash Back | — | |
| Hotel Discounts | — | — |
| Fuel Surcharge Wavier | — | — |
| Intermiles | — | — |
| Purchase Rate | — | — |
| Assumed credit limit | — | — |
| Crypto Card | — | — |