Finance House Gold Credit Card
About 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.
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.
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.
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.
The card member can pay off their Gold credit card balance through any of the following convenient payment options:
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
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.
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.
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|
|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.
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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