Finance House Gold Credit Card

This Finance House Credit Card is packed with a huge range of features and benefits. This Gold Credit Card is designed to satisfy the needs of the cardholder. It offers them a highly safe, easy, flexible & convenient way of making all their payments. This ‘free for life’ card offers amazing discounts & deals through Value House along with features like easy cash and balance transfer.

Benefits and Features of Finance House Gold Credit Card

Here are some exceptional benefits & features of this Finance House Credit Card UAE.

Free for Life

The Finance House Gold Credit Card does not charge any annual fee, hence is free for life.

Easy Payment Plan

Using this facility on this Finance House Credit Card, the cardholder can convert all their purchases above 1,000 AED into Easy Payment Plan. This makes helps the cardholder in making heavy payments conveniently.

Easy Cash

The card member can avail a maximum of 90 percent of their available credit limit in the form of cash. The repayment for this Easy Cash program can be done within a period of thirty-six months.

Balance Transfer

The cardholder can transfer their available balance from any credit card to their Gold MasterCard Credit Card with a low rate of interest starting from 1.25 percent per month.

Supplementary Cards

The cardholder can opt for a maximum of four supplementary cards for their family. The primary cardholder can keep a track of all the transactions being made using the supplementary credit card.

Payment Options

The card member can pay off their Gold credit card balance through any of the following convenient payment options:

Exchange Houses

The cardholder can pay their credit card bill at any of the branch of the below-mentioned exchange houses.

  • Al Ansari
  • Al Bader
  • Al Fardan
  • Al Ghurair
  • The UAE
  • Wall Street

Online Payment

The cardholder can also make online payment using any of their personal bank account in UAE.

Branches of Finance House

The payment on this Gold Credit Card can also be made at any of the branches of the financial institution.

Facility of Direct Debit

The cardholder can sign up for this facility from their bank account to make sure that their card payments get cleared on or before the due date of payment. They can sign up by visiting any of the Finance House branches in the UAE.

Rewards and Offers on Finance House Gold Credit Card

Here are some attractive rewards and offers of this Finance House Credit Card.

Cinema Offers

The card member can buy a movie ticket & get one complimentary at Al Wahda Mall Cinema. This offer is applicable on all shows between Sunday and Wednesday only and is invalid on public holidays. The cardholder can purchase up to four tickets at one time.

Value House

The cardholder can avail various lifestyle and dining benefits along with Killer deals on Value House using this Gold Credit Card.

Eligibility Criteria and Charges on Finance House Gold Credit Card

The cardholder becomes eligible for this Gold Credit Card if they have a minimum monthly salary of 5,000 AED or above.


Here are the fees & charges on this Finance House Credit Card.

Fees and Charges Details
Registration Charges Nil
Annual Fee on Primary Card Nil
Annual Fee on Supplementary Cards Nil
Interest Rate (Retail) 3.33 percent
Interest Rate (Cash) 3.50 percent
Interest Rate for non-payment (Retail) 3.55 percent (monthly)
Interest Rate for non-payment(Cash) 3.55 percent (monthly)
Interest Rate on Plan for Instalment Payment (Easy Cash & Balance Transfer) 1.25 percent (monthly)
Cash Advance Charge 3 percent of cash withdrawn or 200 AED (whichever higher)
Charges on Transaction on Foreign Currency 2.85 percent
Credit Shield Fees 0.85 percent monthly on amount outstanding or 11 AED (whichever higher)
Cheque Return Charge 300 AED
Late Payment Charge 230 AED
Over-Limit Charge 300 AED
Copy of Sales Receipt 65 AED
Liability Letter 50 AED
Fee on Card Replacement 75 AED
Fee on Overseas Cheque 75 AED (plus the actual cost)
Duplicate Statement (monthly) 45 AED


Additional Benefits on Finance House Gold Credit Card

Here are some additional benefits on this Finance House Credit Card.

3D Secure

The card member should make sure that they are safe from any cyber fraud or theft while using their card online. An encrypted OTP (One Time Password) is sent to the cardholder’s registered number for online transaction. Only the cardholder can authorize a transaction on their credit card

Credit Shield Insurance

Credit Shield Cover provides the cardholder a full coverage in a situation of involuntary employment loss, critical illness, permanent disability, and death.

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