Finance House Credit Cards

Introduction to Finance House Credit Cards

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 on 13th March 2004 in the Abu Dhabi Emirate of the United Arab Emirates. However, its operations commenced on 18th July 2004. The financial institution is headquartered in Abu Dhabi and has branches in Sharjah and Dubai. It offers commercial and consumer finance services along with proprietary investing and 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 cardholder. This financial institution is listed on Abu Dhabi Securities Exchange with the ticker symbol FH.

Types of Finance House Credit Cards

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

Finance House 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 Blue Credit Card

Here are a few benefits and features offered by the Blue Credit Card:

  • Free for Life: This Finance House credit card in UAE does not charge an annual fee, making it free for life. Also, the card does not charge any joining fee.
  • Killer Deals and Benefits through Value House: The Finance House Blue Credit Card offers exceptional deals by Value House. The cardholder can avail a wide range of benefits on shopping, fitness, dining, medical treatment, leisure, entertainment, car rentals, spas and many more.
  • Movie Offers: The cardholder can avail Buy one and Get one for free offer at Al Wahda Mall (Oscar Cinemas only). This offer is valid for the movie shows between Sunday and Wednesday. However, it is invalid on all public holidays. The cardholder can purchase up to four tickets at a time.
  • Balance Transfer: The cardholder can avail the balance transfer facility on their Finance House MasterCard Blue Credit Card at low fees starting from 1.25 percent monthly.
  • Easy Cash: This Finance House Credit Card offers the cardholder the Easy Cash plan. Under this plan, they can avail cash up to 90 percent of their credit limit. They can repay this cash within a time period of 36 months.
  • Easy Payment Plan: The card member can avail a facility of converting any of their purchases over 1,000 AED into an EPP (Easy Payment Plan).
  • Supplementary Cards: The cardholder can opt for a maximum of four supplementary credit cards for their friends and family. The primary cardholder can track all the transactions put on the supplementary card(s). This best Finance House credit card in UAE charges no fee on supplementary cards.
  • Credit Shield Protection: Using this Blue Credit Card, the cardholder can avail the credit shield cover. The credit shield provides them coverage for unfortunate situations such as permanent or temporary disability, involuntary employment loss, critical illness or death.
  • 3D Secure: The card member can stay safe from any kind of cyber fraud or theft while using their Finance House Credit Card online. With an encrypted OTP (One-time Password) sent to their registered contact number, only the cardholder can authorize any transaction on their card.

Finance House 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 Gold Credit Card

Here are a few benefits and features offered by the Gold Credit Card:

  • Free for Life: This Finance House credit card in UAE does not charge an annual fee, making it free for life. Also, the card does not charge any joining fee.
  • Killer Deals and Benefits through Value House: The Finance House Gold Credit Card offers exceptional deals by Value House. The cardholder can avail a wide range of benefits on shopping, fitness, dining, medical treatment, leisure, entertainment, car rentals, spas and many more.
  • Movie Offers: The cardholder can avail Buy one and Get one for free offer at Al Wahda Mall (Oscar Cinemas only). This offer is valid for the movie shows between Sunday and Wednesday only. However, it is invalid on all public holidays. The cardholder can purchase up to four tickets at a time.
  • Balance Transfer: The cardholder can avail the balance transfer facility low fees starting from 1.25 percent monthly.
  • Easy Cash: This Finance House Credit Card offers the cardholder the Easy Cash plan. Under this plan, they can avail cash up to 90 percent of their credit limit. They can repay this cash within a time period of 36 months.
  • Easy Payment Plan: The card member can avail a facility of converting any of their purchases over 1,000 AED into an EPP (Easy Payment Plan).
  • Supplementary Cards: The cardholder can opt for a maximum of four supplementary credit cards for their friends and family. The primary cardholder can track all the transactions made using the supplementary card(s). This best Finance House credit card in UAE charges no fee on supplementary cards.
  • Credit Shield Protection: Using the Gold Credit Card, the cardholder can avail the credit shield cover. The credit shield provides coverage for unfortunate situations such as permanent or temporary disability, involuntary employment loss, critical illness or death.
  • 3D Secure: The card member can stay safe from any kind of cyber fraud or theft while using their Finance House Credit Card online. With an encrypted OTP (One-time Password) sent to their registered contact number, only the cardholder can authorize any transaction on their card.

Finance House 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 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:

  • Free for Life: This Finance House credit card in UAE does not charge an annual fee, making it free for life. Also, the card does not charge any joining fee.
  • Killer Deals and Benefits through Value House: The Finance House Platinum Credit Card offers exceptional deals by Value House. The cardholder can avail a wide range of benefits on shopping, fitness, dining, medical treatment, leisure, entertainment, car rentals, spas and many more.
  • Movie Offers: The cardholder can avail Buy one and Get one for free offer at Al Wahda Mall (Oscar Cinemas only). This offer is valid for all the movie shows between Sunday and Wednesday only. It is invalid on all public holidays. The cardholder can purchase up to four tickets at a time.
  • Balance Transfer: The cardholder can avail the balance transfer facility at low fees starting from 1.25 percent monthly.
  • Easy Cash: This Finance House Credit Card offers the cardholder the Easy Cash plan. Under this plan, the can avail cash up to 90 percent of their credit limit. They can repay this cash within a time period of 36 months.
  • Easy Payment Plan: The card member can avail a facility of converting any of their purchases over 1,000 AED into an EPP (Easy Payment Plan).
  • Supplementary Cards: The cardholder can opt for a maximum of four supplementary credit cards for their friends and family. The primary cardholder can track all the transactions made using the supplementary card(s). This best Finance House credit card in UAE charges no fee on supplementary cards.
  • Access to Airport Lounge: The cardholder can access Marhaba lounges at international airports by showing their Finance House Platinum Credit Card. They can avail the privileged access at the airport lounges of Egypt, Jordan, Kuwait, Saudi Arabia and the UAE.
  • Credit Shield Protection: Using this Platinum Credit Card, the cardholder can avail the credit shield cover. The credit shield provides them with coverage for unfortunate situations such as permanent or temporary disability, involuntary employment loss, critical illness or death.
  • Protection from Card Fraud: With this Card Fraud Protection cover, the cardholder can secure themselves from any unauthorized transactions on their Platinum Credit Card.
  • Purchase Protection: This Finance House Credit Card offers the card member coverage against accidental damage or theft on the eligible goods purchased using the card.\
  • 3D Secure: The card member can stay safe from any kind of cyber fraud or theft while using their Finance House Credit Card online. With an encrypted OTP (One-time Password) sent to their registered contact number, only the cardholder can authorize any transaction on their card.

Finance House Titanium CartNet 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 Titanium CartNet Credit Card

Here are a few benefits and features offered by this Titanium Credit Card:

  • Free for Life: This Finance House credit card in UAE does not charge an annual fee, making it free for life. Also, the card does not charge any joining fee.
  • Killer Deals and Benefits through Value House: The Finance House Titanium CartNet Credit Card offers exceptional deals by Value House. The cardholder can also avail a wide range of benefits on shopping, fitness, dining, medical treatment, leisure, entertainment, car rentals, spas and many more.
  • Movie Offers: The cardholder can avail Buy one and Get one for free offer at Al Wahda Mall (Oscar Cinemas only). This offer is valid for all the movie shows between Sunday and Wednesday. However, it is invalid on all public holidays. The cardholder can purchase up to four tickets at a time.
  • Balance Transfer: The cardholder can avail the balance transfer facility at low fees starting from 1.25 percent monthly.
  • Easy Cash: This Finance House Credit Card offers the cardholder the Easy Cash plan. Under this plan, the card member can avail cash up to 90 percent of their credit limit. They can repay this cash within a time period of 36 months.
  • Easy Payment Plan: The card member can avail a facility of converting any of their purchases over 1,000 AED into an EPP (Easy Payment Plan).
  • Supplementary Cards: The cardholder can opt for supplementary credit cards for their friends and family. The primary cardholder can track all the transactions made using the supplementary card(s). This best Finance House credit card in UAE charges no fee on supplementary cards.
  • Access to Airport Lounge: The cardholder can access Marhaba lounges by showing their Finance House CartNet Credit Card. They can avail the privileged access at the airport lounges of Egypt, Jordan, Kuwait, Saudi Arabia and the UAE.
  • Credit Shield Protection: Using this Titanium CartNet Credit Card, the cardholder can avail the credit shield cover. The credit shield provides them with coverage for unfortunate situations such as permanent or temporary disability, involuntary employment loss, critical illness or death.
  • Protection from Card Fraud: With this Card Fraud Protection cover, the cardholder can secure themselves against any unauthorized transactions on their Titanium Credit Card.
  • 3D Secure: The card member can stay safe from any kind of cyber fraud or theft while using their Finance House Credit Card online. With an encrypted OTP (One-time Password) sent to their registered contact number, only the cardholder authorize any transaction on their card.

Benefits and Features of Finance House Credit Cards

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:

  • The cardholder needs to log in to their net banking account using the mobile app or website.
  • They need to enter their credit card details and payment details.
  • They need to confirm the payment. The amount will be credited within two days.
  • The card member will receive a payment confirmation through an SMS from Finance House.

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

  • The cardholder can join CartNet to earn cash back up to fifty percent and 200 AED for every successful referral.
  • The cardholder can refer more than one member for a Titanium Credit Card by Finance House and get a cashback of up to fifty percent .
  • They can refer only the individuals having a minimum salary is 5,000 AED. Apart from that, the individual’s residency in the UAE must be valid.

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.

Careem Rides

The card member can avail a discount of 20 percent 3 times in a month on booking Careem rides while are traveling within the UAE.

Priceless Arabia

Finance House cards provide a host of offers such as benefits on shopping, entertainment, dining, car rental, travel and more under the Priceless Arabia schemes.

Finance House Retail & Cash Interest Rates and Annual Fees in the UAE

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 Titanium Credit Card 3.33 3.50

 

Finance House Credit Card Eligibility

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.

How to Apply for Finance House Credit Cards in the UAE?

Here is how the applicant can apply for Finance House Credit Cards:

  • Phone: The applicants can call on the official help line of the Finance House, and get in touch with the agents to apply for the Finance House Credit Card of their choice.
  • Online: It is one of the most convenient, quick and easy ways of applying for a credit card. The applicants can log on to the official website and apply for the credit card that suits their requirements.
  • Offline: The applicants can visit the nearest branch of Finance House, fill and submit the application form to apply for their preferred credit card.

Finance House Credit Card Limit

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 Charges in UAE

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 Titanium 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) 0.85 percent monthly on amount outstanding or 11 AED (whichever higher) 0.85 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

 

Why Choose Finance House Credit Cards?

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.

Security

The applicant can stay safe from card frauds and theft as these credit cards are equipped with a 3D secure technology. An encrypted OTP (One-time Password) is sent to their registered contact number of the cardholder to authorize any transaction on their card.

Offers and Benefits

With benefits offered to the card member under the schemes like Priceless Arabia, Value House and more, they can enjoy discounts on shopping, entertainment, dining, leisure, travel etc. They can also avail facilities such as balance transfer, instalment payment schemes, e-statements, easy cash and much more.

Customer Care

Finance House provides a customer-friendly customer care service. The cardholder can contact the customer support team, the executive will guide them in an efficient and informative manner.

Online Banking

The Finance House Credit Cards offers a secure net banking service for the cardholder. The cardholder can manage their cards easily and conveniently.

Finance House Credit Cards Frequently Asked Questions

Q.1. What is the primary card?

Ans. 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.

Q.2. What is a supplementary credit card?

Ans. A supplementary credit card is an additional card that is issued to their eligible family member on the request of the primary cardholder.

Q.3. What is a cash advance and its charges?

Ans 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.

Q.4. What is the credit limit?

Ans The credit limit refers to the maximum amount that a cardholder can get using their Finance House Credit Card.

Q.5. What are the finance charges?

Ans 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.

Q.6. What is a minimum due payment?

Ans It is the minimum amount of payment that the card member is liable to pay before the due date.

Q.7. What is the due date of payment?

A.7. The due date of payment is the date on/before the current outstanding balance or minimum due payment should be paid by the cardholder.

Q.8. What is CartNet?

Ans CartNet provides cash back up to fifty percent for every successful referral.

Q.9. Who all can I refer under CartNet?

Ans You can refer only those individuals who fulfil the following conditions:

  • Those who earn a minimum of 5,000 AED as salary.
  • The residents of the UAE who have valid residency proof.

Q.10. How can I refer the individuals under CartNet?

Ans 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.

Q.11. How can I pay bills online using my Finance House Credit Cards?

Ans You can save both time and efforts by settling your credit card bills online using your personal bank account.

Q.12 What are the documents that I need for applying for Finance House Credit Cards?

Ans You need the following documents for applying for Finance House Credit Cards:

  • Application form (signed)
  • A valid Emirates Identity Card (copy)
  • A valid passport (copy)
  • Valid residence visa (only for customers who are non-GCC national)
  • Security Cheque (signed)

Q.13. What is the Oscar Cinema movie offer?

Ans 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.

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