This guide will show you how to cancellation auto debit credit card payments. You'll be well-equipped to regain control over your credit card payments and take charge of your financial journey in UAE.
Finance House, a reputed financial institution in the UAE, offers a range of credit cards to UAE residents with lucrative offers and benefits. Some of the popular credit cards from its vast range of options are Blue Credit Card, House CartNet Credit Card, Gold Credit Card, and Platinum Credit Card. A notable benefit of Finance House credit cards is that they are highly secure. These cards are 3D secure and protect cardholders from cyber fraud or theft while using the cards. Such security features, combined with the flexibility of usage, make them a convenient payment option.read more
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Finance House PJSC is a financial institution in the UAE that offers a variety of tailor-made financial services. It is a joint stock public company that came into existence in Abu Dhabi and commenced operations on 18th July 2004. The financial institution is headquartered in Abu Dhabi and has branches in Sharjah and Dubai. Finance House offers commercial and consumer finance services along with proprietary investing, value-adding and innovative banking solutions.
Amongst the huge range of comprehensive financial services, the company offers different types of credit cards to the credit card applicants. These Finance House Credit Cards are loaded with a host of benefits and privileges for the each and every cardholder. This financial institution is listed on Abu Dhabi Securities Exchange with the ticker symbol FH.
As per their credit card needs, the applicant can select a credit card from the following Finance House Credit Cards:
Types of Finance House Credit Cards | |
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This Finance House Credit Card comes with a wide range of benefits and features. It offers the cardholder a highly secure and flexible method of making payments.
Benefits & Features of Finance House Blue Credit Card
Here are a few benefits and features offered by the Blue Credit Card:
This Finance House Credit Card comes with a wide range of benefits and features. It offers the cardholder a highly secure and flexible method of making payments.
Benefits and Features of Finance House Gold Credit Card
Here are a few benefits and features offered by the Gold Credit Card:
This Finance House Credit Card comes with a wide range of benefits and features. It offers the cardholder a highly secure and flexible method of making payments.
Benefits and Features of Finance House Platinum Credit Card
Here are a few benefits and features offered by the Platinum Credit Card:
This Finance House Credit Card comes with a wide range of benefits and features. It offers the cardholder a highly secure and flexible method for making payments.
Benefits and Features of Finance House CartNet Credit Card
Here are a few benefits and features offered by this Credit Card:
The eminent benefits and features of these credit cards are as follows:
Samsung Pay: Samsung offers Samsung Pay service that enables the cardholder to make payments easily using their smartphone. It is a quick and secure way to make payments through mobile with ease.
Easy and Convenient Bill Payments: The card member can save both time and effort by paying their credit card bills online using their personal bank account. Here are the simple steps to pay bills:
Note- For any further information on bill payment of Finance House credit card online, the card member can call on 600511114.
SMS Banking: With the SMS service, the cardholder can stay updated about the expenses put on their credit card.
CartNet
Please Note- In order to refer the members, the cardholder can send the name and mobile number of their referrals through an SMS to 4445. After sending the SMS, they need to fill a Referral Form online.
E-statement: The cardholder can access e-statement of their card. The statement will be sent to the registered email of the card member.
Finance House Credit Cards charge low-interest rates and no annual fees on their credit cards. Listed below are the applicable fees and interest:
Name of the Card | Retail Interest Rate per month(%) | Cash Interest Rate per month(%) |
---|---|---|
Finance House Blue Credit Card | 3.33 | 3.50 |
Finance House Gold Credit Card | 3.33 | 3.50 |
Finance House Platinum Credit Card | 3.33 | 3.50 |
Finance House CartNet Credit Card | 3.33 | 3.50 |
Only those applicants who have a monthly salary of 5,000 AED and above are eligible to apply for these Finance House Credit Cards in UAE.
Here is how the applicant can apply for Finance House Credit Cards:
The maximum credit amount that the card member can enjoy on the card is known as the credit limit. Different credit cards offered by Finance House offer various credit limit that depends on various factors such as the credit history of the cardholder.
Finance House Credit Card Loan - Know Everything About it |
The Finance House UAE Credit Cards charge different fees & charges on their credit cards. Some of these are as follows:
Fees and Charges | Finance House Blue Credit Card | Finance House Gold Credit Card | Finance House Platinum Credit Card | Finance House CartNet Credit Card |
---|---|---|---|---|
Registration Charges | Nil | Nil | Nil | Nil |
Annual Fee on Supplementary Cards | Nil | Nil | Nil | Nil |
Interest Rate (Retail) | 3.33 percent | 3.33 percent | 3.33 percent | 3.33 percent |
Interest Rate (Cash) | 3.50 percent | 3.50 percent | 3.50 percent | 3.50 percent |
Interest Rate for non-payment (Retail) | 3.55 percent (monthly) | 3.55 percent (monthly) | 3.55 percent (monthly) | 3.55 percent (monthly) |
Interest Rate for non-payment(Cash) | 3.55 percent (monthly) | 3.55 percent (monthly) | 3.55 percent (monthly) | 3.55 percent (monthly) |
Interest Rate on Plan for Instalment Payment (Easy Cash & Balance Transfer) | 1.25 percent (monthly) | 1.25 percent (monthly) | 1.25 percent (monthly) | 1.25 percent (monthly) |
Cash Advance Charge | 3 percent of cash withdrawn or 200 AED (whichever higher) | 3 percent of cash withdrawn or 200 AED (whichever higher) | 3 percent of cash withdrawn or 200 AED (whichever higher) | 3 percent of cash withdrawn or 200 AED (whichever higher) |
Charges on Transaction on Foreign Currency | 2.85 percent | 2.85 percent | 2.85 percent | 2.85 percent |
Credit Shield Fees | 0.85 percent monthly on amount outstanding or 11 AED (whichever higher) | 0.85 percent monthly on amount outstanding or 11 AED (whichever higher) | 0.93 percent monthly on amount outstanding or 11 AED (whichever higher) | 0.93 percent monthly on amount outstanding or 11 AED (whichever higher) |
Cheque Return Charge | 300 AED | 300 AED | 300 AED | 300 AED |
Late Payment Charge | 230 AED | 230 AED | 230 AED | 230 AED |
Over-Limit Charge | 300 AED | 300 AED | 300 AED | 300 AED |
Copy of Sales Receipt | 65 AED | 65 AED | 65 AED | 65 AED |
Liability Letter | 50 AED | 50 AED | 50 AED | 50 AED |
Clearance Letter | NA | NA | NA | 50 AED |
Fee on Card Replacement | 75 AED | 75 AED | 75 AED | 75 AED |
Fee on Overseas Cheque | 75 AED (plus the actual cost) | 75 AED (plus the actual cost) | 75 AED (plus the actual cost) | 75 AED (plus the actual cost) |
Duplicate Statement (monthly) | 45 AED | 45 AED | 45 AED | 45 AED |
The credit cards by Finance House offer a huge variety of benefits & privileges to the card members. That’s why they are an ideal choice for credit card applicants. Here are the reasons why the applicant must select the Finance House Credit Cards in UAE.
The minimum salary requirement for a Finance House credit card is AED 5,000. The salary requirement may vary depending upon the type of credit card you are applying for. To know the card-specific salary details, scroll through our credit cards' section.
You can activate your Finance House credit card through their SMS service or by using Finance House Mobile application. You can follow the steps listed below to activate your card.
Through Finance House SMS service
1.Open the SMS application on your mobile phone
2.Type the SMS - ACT[space][last 6 digits of your card][space][your desired 4 digit PIN]
3.Send it to 2326
Through Finance House Mobile Application
1.Log into your Finance House mobile application and visit the services section
2.Tap on your card from the available list and select to activate your card
A primary card is issued to the cardholder who applies for the credit card. The credit card account is opened under his name. This cardholder is called the primary cardholder.
A supplementary credit card is an additional card that is issued to their eligible family member on the request of the primary cardholder.
Cash advance is the amount of cash withdrawn by using a credit card. This withdrawal attracts a fee that is known as cash advance charges along with applicable finance charges and interest.
The Finance House charges a fee of 3 percent of cash withdrawn or 200 AED (whichever higher) on a cash advance.
The credit limit refers to the maximum amount that a cardholder can get using their Finance House Credit Card.
Finance charges are the interests and fees charged on the outstanding balance after the due date. These charges include the interest charged on the cash advance that is calculated from that date of cash withdrawal.
It is the minimum amount of payment that the card member is liable to pay before the due date.
The due date of payment is the date on/before the current outstanding balance or minimum due payment should be paid by the cardholder.
CartNet provides cash back up to fifty percent for every successful referral.
You can refer only those individuals who fulfil the following conditions:
In order to refer a member, you can send the names and mobile numbers of your referrals through an SMS to 4445. After sending the SMS, you need to fill a Referral Form online.
You can save both time and efforts by settling your credit card bills online using your personal bank account.
You need the following documents for applying for Finance House Credit Cards:
You can avail the Buy one and Get one for free at Al Wahda Mall (Oscar Cinemas only) as per the applicable the terms & conditions.