Emirates Islamic
Flex Elite Covered Card
- Salary
- AED 15,000
- Fee
- AED 735
- Reward
- EI SmartMiles
Card comparison
Flex Elite Covered Card vs Traveller Credit Card vs Betaqti Credit Card
Compare Flex Elite Covered Card from Emirates Islamic, Traveller Credit Card from Abu Dhabi Commercial Bank, Betaqti Credit Card from Abu Dhabi Commercial…
Emirates Islamic
Flex Elite Covered Card
Abu Dhabi Commercial Bank
Traveller Credit Card
- Salary
- AED 20,000
- Fee
- AED 1,575
- Reward
- cashback
Abu Dhabi Commercial Bank
Betaqti Credit Card
- Salary
- AED 10,000
- Fee
- AED 2,100
- Reward
- rewards
Side by side
Compare key facts
Flex Elite Covered CardEmirates IslamicTraveller Credit CardAbu Dhabi Commercial BankBetaqti Credit CardAbu Dhabi Commercial Bank
Rewards
Reward details
Flex Elite Covered Card
up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Traveller Credit Card
- Conditional cashback - 50% - Conditional or promotional cashback shown as 50%
- Cashback on travel, hotel stays, movies, and domestic spends - Up to AED 1,500 cashback monthly - Travel the world and earn up to AED 1,500 cashback every month
- Cashback
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
Betaqti Credit Card
- TouchPoints - Up to 3 TouchPoints on all your spends
- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Eligibility
Minimum Salary
Flex Elite Covered CardAED 15,000•
Traveller Credit CardAED 20,000↑
Betaqti Credit CardAED 10,000↓
Salary Transfer Required
Flex Elite Covered CardNot listed
Traveller Credit CardNo
Betaqti Credit CardNo
Required Documents
Flex Elite Covered Card
Proof of salary - Latest salary certificate or payslips - Proof of salary: latest salary certificate or payslips- Identity proof - Valid Emirates ID or passport
- Address proof - Utility bill or tenancy contract
Traveller Credit Card
- Valid Emirates ID - Proof of identity
- Latest 3 months salary certificate - Proof of income
- Bank statements for last 3 months - Proof of financial stability - Latest 3 months bank statements
Betaqti Credit Card
- Valid Emirates ID - Must be valid and current
- Proof of income - Latest salary certificate or proof of employment - proof of income
- Bank statements - Latest 3 months bank statements
Fees and rates
Annual Fee
Flex Elite Covered CardAED 735↓
Traveller Credit CardAED 1,575•
Betaqti Credit CardAED 2,100↑
First Year Annual Fee
Flex Elite Covered CardAED 0
Traveller Credit CardNot listed
Betaqti Credit CardNot listed
Foreign Transaction Fee
Flex Elite Covered Card2.34%↓
Traveller Credit Card2.99%↑
Betaqti Credit Card2.99%↑
APR
Flex Elite Covered Card44.28% APR•
Traveller Credit Card44.28% APR•
Betaqti Credit Card44.28% APR•
Cash Advance Fee
Flex Elite Covered CardAED 3.15
Traveller Credit CardNot listed
Betaqti Credit CardNot listed
Cashback and rewards
Cashback details
Flex Elite Covered Card
- Cashback
Traveller Credit Card
- Cashback on travel, hotel stays, movies, and domestic spends - Up to AED 1,500 cashback monthly - Travel the world and earn up to AED 1,500 cashback every month
- 10% cashback on airline tickets
- 10% cashback on hotel stays
- 10% cashback on airline tickets in AED and non-AED spends
- 10% cashback on hotel stays in AED and non-AED spends
- 50% cashback on movies tickets on AED spends
Betaqti Credit CardNot listed
Rewards
Flex Elite Covered Card
up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Traveller Credit Card
- Conditional cashback - 50% - Conditional or promotional cashback shown as 50%
- Cashback on travel, hotel stays, movies, and domestic spends - Up to AED 1,500 cashback monthly - Travel the world and earn up to AED 1,500 cashback every month
- Cashback
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
Betaqti Credit Card
- TouchPoints - Up to 3 TouchPoints on all your spends
- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Reward Rate
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Traveller Credit Card
- Conditional cashback - 50% - Conditional or promotional cashback shown as 50%
- Cashback on travel, hotel stays, movies, and domestic spends - Up to AED 1,500 cashback monthly - Travel the world and earn up to AED 1,500 cashback every month
- Cashback
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
Betaqti Credit Card
- TouchPoints - Up to 3 TouchPoints on all your spends
- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Welcome Bonus
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Traveller Credit Card
- Conditional cashback - 50% - Conditional or promotional cashback shown as 50%
- Cashback on travel, hotel stays, movies, and domestic spends - Up to AED 1,500 cashback monthly - Travel the world and earn up to AED 1,500 cashback every month
- Cashback
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
Betaqti Credit Card
- TouchPoints - Up to 3 TouchPoints on all your spends
- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Travel
Airport Lounge Access
Flex Elite Covered CardUnlimited access to 1,200+ lounges worldwide
Traveller Credit Cardmentioned
Betaqti Credit Cardmentioned
Travel Insurance
Flex Elite Covered CardNot listed
Traveller Credit Cardmentioned
Betaqti Credit Cardmentioned
Card Network
Flex Elite Covered CardVisa
Traveller Credit CardMastercard
Betaqti Credit CardMastercard
Lifestyle
Concierge
Flex Elite Covered CardNot listed
Traveller Credit Cardmentioned
Betaqti Credit Cardmentioned
Card type
Sharia Compliant
Flex Elite Covered CardYes
Traveller Credit CardNo
Betaqti Credit CardNo
Islamic
Flex Elite Covered CardYes
Traveller Credit CardNo
Betaqti Credit CardNo
Other useful facts
Minimum Credit Limit
Flex Elite Covered CardNot listed
Traveller Credit CardAED 30,000↑
Betaqti Credit CardAED 20,000↓
APR
Flex Elite Covered Card44.28%•
Traveller Credit Card44.28%•
Betaqti Credit Card44.28%•
Monthly purchase rate
Flex Elite Covered CardNot listed
Traveller Credit Card3.69%•
Betaqti Credit Card3.69%•
Movie Benefit
Flex Elite Covered CardRoxy Cinemas
Traveller Credit Card50% cashback on movies tickets in AED spends
Betaqti Credit CardBuy1-Get1 free at VOX cinemas
Earn Rate
Flex Elite Covered Card3.75%
Traveller Credit CardNot listed
Betaqti Credit CardNot listed
Up To375 E I Smart Miles Per A E D1
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Traveller Credit Card
- Conditional cashback - 50% - Conditional or promotional cashback shown as 50%
- Cashback on travel, hotel stays, movies, and domestic spends - Up to AED 1,500 cashback monthly - Travel the world and earn up to AED 1,500 cashback every month
- Cashback
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
Betaqti Credit Card
- TouchPoints - Up to 3 TouchPoints on all your spends
- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Card Name
Flex Elite Covered CardFlex Elite Covered Card
Traveller Credit CardTraveller Credit Card
Betaqti Credit CardBetaqti Credit Card
Category Id
Flex Elite Covered Cardcredit-cards
Traveller Credit Cardcredit-cards
Betaqti Credit Cardcredit-cards
EligibilityFees & ratesCashback & rewardsTravelLifestyleCard typeOther useful facts
| Field | Flex Elite Covered CardEmirates Islamic | Traveller Credit CardAbu Dhabi Commercial Bank | Betaqti Credit CardAbu Dhabi Commercial Bank |
|---|---|---|---|
| Rewards | |||
| Reward details |
|
|
|
| Eligibility | |||
| Minimum Salary | AED 15,000• | AED 20,000↑ | AED 10,000↓ |
| Salary Transfer Required | Not listed | No | No |
| Required Documents |
|
|
|
| Fees and rates | |||
| Annual Fee | AED 735↓ | AED 1,575• | AED 2,100↑ |
| First Year Annual Fee | AED 0 | Not listed | Not listed |
| Foreign Transaction Fee | 2.34%↓ | 2.99%↑ | 2.99%↑ |
| APR | 44.28% APR• | 44.28% APR• | 44.28% APR• |
| Cash Advance Fee | AED 3.15 | Not listed | Not listed |
| Cashback and rewards | |||
| Cashback details |
|
| Not listed |
| Rewards |
|
|
|
| Reward Rate |
|
|
|
| Welcome Bonus |
|
|
|
| Travel | |||
| Airport Lounge Access | Unlimited access to 1,200+ lounges worldwide | mentioned | mentioned |
| Travel Insurance | Not listed | mentioned | mentioned |
| Card Network | Visa | Mastercard | Mastercard |
| Lifestyle | |||
| Concierge | Not listed | mentioned | mentioned |
| Card type | |||
| Sharia Compliant | Yes | No | No |
| Islamic | Yes | No | No |
| Other useful facts | |||
| Minimum Credit Limit | Not listed | AED 30,000↑ | AED 20,000↓ |
| APR | 44.28%• | 44.28%• | 44.28%• |
| Monthly purchase rate | Not listed | 3.69%• | 3.69%• |
| Movie Benefit | Roxy Cinemas | 50% cashback on movies tickets in AED spends | Buy1-Get1 free at VOX cinemas |
| Earn Rate | 3.75% | Not listed | Not listed |
| Up To375 E I Smart Miles Per A E D1 |
|
|
|
| Card Name | Flex Elite Covered Card | Traveller Credit Card | Betaqti Credit Card |
| Category Id | credit-cards | credit-cards | credit-cards |
Compare options
Top Credit Cards to compare
| Select | Product | Bank | Annual fee | Salary | APR | Cashback | Rewards | Network | Details |
|---|---|---|---|---|---|---|---|---|---|
|
Flex Elite Covered CardCashback · Miles · Lounge
|
Emirates Islamic | AED 735 | AED 15,000 | 44.28% APR | AED 3.75 | Cashback Miles Lounge Travel Cinema Islamic Low fee | Visa | Details | |
|
Traveller Credit CardCashback · Lounge · Groceries
|
Abu Dhabi Commercial Bank | AED 1,575 | AED 20,000 | 44.28% APR | Not listed | CashbackLounge GroceriesTravelCinemaIslamicLow fee | Mastercard | Details | |
|
Betaqti Credit CardMiles · Lounge · Travel
|
Abu Dhabi Commercial Bank | AED 2,100 | AED 10,000 | 44.28% APR | Not listed | MilesLoungeTravelCinemaIslamicLow fee | Mastercard | Details |
APR means Annualized Percentage Rate: the yearly cost rate used for unpaid card balances. If a bank lists only a monthly retail/cash finance rate, we show monthly rate × 12 as APR. Cashback and rewards usually have caps, eligible categories, and terms.
Important
UAEBanks.org is independent research, not a bank or financial adviser. Card fees, eligibility, rewards, offers, and approvals can change. Always verify the latest Key Facts Statement, fees, and terms with the bank before applying.
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