Finance House Gold Credit Card

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  • Airport Lounge
  • Shopping Benefits
  • Fuel benefits
  • Movie Discounts




Best credit cards with 0 Annual fee*


Best credit cards with 0 Annual fee*

  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

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 maximum amount for the 0 % EPP is AED 5,000 per month.
  • 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 monthsat an interest rate as low as 1.5 % with the ‘Easy Cash’ Program of Finance House.
  • 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.
  • 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. 

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 Documents Required for Finance House Gold Credit Card

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

Documents Required:

  • A copy of valid Emirates ID of the applicant
  • A valid residence visa (for non-GCC national customers only)
  • Duly signed application form
  • A signed security cheque from the applicant
  • A copy of the valid Passport of the applicant 

Fees and Charges on Finance House Gold Credit Card

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

Fees and Charges


Registration Charges


Annual Fee on Primary Card


Annual Fee on Supplementary Cards


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

FAQs about Finance House Gold Credit Card

Q1: Which companies are approved by Finance House in order to avail of the Fnance House Gold credit card?

Ans: Most Government & Semi-Government institutions & departments, multinational & leading local companies, Banks & other financial institutions are approved by the Finance House credit cards. If you wish to know if your employer is on the approved list, one of their PFOs can assist you in finding the relevant information.

Q2: How can one make monthly payments?

Ans: If one wishes to pay by way of cash payments at:

  • Finance House Branches (Abu Dhabi, Dubai, & Sharjah)
  • Any branch of the following exchange outlets: Al Ansari, Wall Street, Al Ghurair, Al Fardan, Al Bader & Lari Exchange.

If one wishes to pay by way of cheque payments:

  • You can mail your cheque to “Cards Centre Finance House PJSC, P.O. Box: 7878, Abu Dhabi, U.A.E. (Cheques must be received at least 5 working days prior to payment due date.)
  • Deposit your cheque at FH branches (Abu Dhabi, Dubai, & Sharjah), 5 working days prior to payment due date.

Q3: How does one apply for a Fnance House Gold credit card?

Ans: Visit the nearest Finance House branch with all the required documents or call at 600511114 in order to schedule a personal visit to your office by a Personal Finance Officer who will help with the application process.

Q4: How many supplemtary cards can be applied for with a Fnance House Gold credit card?

Ans: Maximum 4 supplementary cards can be applied for alongside the Finance House Gold credit card.

Q5: How long does it take to issue a Finance House credit card?

Ans: It takes around 5 working days to issue a credit card from the date of the approval of the card.

Reviews & Ratings

4.6 / 5 (based on   20020 google icon reviews)

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