CartNet Card

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Overview

Apply for CartNet and earn up to 50% Cashback and an instant AED 400 on each successful referral!

Highlights

Up to 50% Cashback
Instant AED 400 on each successful referral
Free for life credit card
Exceptional deals and discounts through Value House
Free supplementary credit cards
Balance Transfer & Easy Cash at amazingly low preferential interest rate starting 1.25% per month with ZERO Processing Fee

Reward yourself when you spend on your Finance House CartNet Credit Card

Enjoy Balance Transfers, Easy Cash, Easy Payment Plans and other convenient ways to use your Finance House CartNet Credit Card:

Transfer your balance from any other credit card to your Finance House CartNet Credit Card with preferential rate starting from as low as 1.25% per month
Avail up to 90% of credit limit as cash, and repay over a period of 36 months with our Easy Cash program
Convert any purchase above AED 1,000, into Easy Payment Plan
Avail up to 3 FREE supplementary cards , and provide your loved ones with the much needed financial freedom while being able to keep track of all the spends.

Interest Rates & Tenors – Credit Card Offers
Tenors (in months)	3	6	9	12	18	24	30	36
Interest Bearing EPPs	1.5%	1.5%	1.5%	1.5%	1.25%	1.25%	1.10%	1.10%
Easy Cash	1.85%	1.85%	1.85%	1.85%	1.85%	1.5%	1.5%	1.5%
Balance Transfer	1.5%	1.5%	1.5%	1.5%	1.5%	1.25%	1.25%	1.25%

Enjoy world class luxury with Marhaba lounges at leading international airports across the region. Simply present your Finance House MasterCard Titanium Credit Card and enjoy privileged access to the following airport lounges:

Egypt: Cairo International Airport VIP Lounges at Terminal 1 and 3
Jordan: Queen Alia International Airport Amman, Crown Lounge
Kuwait: Kuwait International Airport Pearl Lounge
Saudi Arabia: Jeddah International Airport First Class Lounge (Foreign Airlines – North Terminal)
Saudi Arabia: Riyadh International Airport ‘Premier Lounge’ in Terminal 1 (Foreign Airlines)
UAE: Dubai International Airport Marhaba Lounges at Terminal 1, and 3; Terminal 4 at Al Maktoum Airport

Credit Shield cover:

Credit Shield insurance which provides you with the following coverage: Death, Total Permanent Disability, Critical Illness & Involuntary Loss of Employment.

Card Fraud Protection cover:

Protect yourself against unauthorized transactions on your Finance House MasterCard Titanium Credit Card with our Card Fraud Protection cover

3D Secure:

Be assured that you are protected from any cyber theft or fraud when using your credit card online.
With encrypted One Time Passwords sent to your registered mobile phone for your online transactions, no one but you, yourself can authorize the debit of your card.

You are eligible for Finance House MasterCard Titanium Credit Card if your salary is AED 5,000 per month or higher

Signed application form
Copy of valid Emirates ID
Copy of valid Passport
Valid residence visa (for non-GCC national customers only)
Signed security cheque

Pay off your Finance House CartNet Credit Card balance conveniently using any of the below payment options:

Direct Debit facility

Sign up for the direct debit facility from your Bank Account which will ensure that your Finance House Credit Card payments are cleared on your payment due date. Visit any of our Finance House Branches and sign up today.

Finance House Branches

Visit any of Finance House branches to make your Credit Card Payments. Click here to check out our branch locations.

Online Payment

Online through any of your personal bank accounts in the UAE.

Exchange Houses

Pay your Finance House CartNet Credit Card’s bills at any branch of the following exchange houses with no extra charge:

No.	Description	Fees/Charges
1	Registration Fee	Free
2	Principal Card Annual Fee	Free
3	Supplementary Card Annual Fee	Free
4	Retail & Cash Interest Rates	Cash: 3.50% per month Retail: 3.65% per month
5	Retail & Cash Interest Rates in case of non-payment	Cash: 3.55% per month Retail: 3.72% per month
6	Installment Payment Plan Interest Rate (Balance Transfer & Easy Cash)	Starting from 1.25% per month
7	Early settlement for the Installment Payment Plan (IPP), Balance Transfer and Easy Cash	AED 100 + remaining interest according to the tenor period
8	Cash Advance Fee	3% of the Cash Withdrawal Amount or AED 200, whichever is higher
9	Foreign Currency Transaction Fee	2.85%
10	Credit Shield	1.04% per month on the Outstanding Amount of AED 11, whichever is higher
11	Cheque Return Fee	AED 300
12	Late Payment Fee	AED 230
13	Over Limit Fee	AED 300
14	Sales Receipt Copy (Credit Card Transaction Slip Copy)	AED 65
15	Liability Letter	AED 50
16	Card Replacement Fee	AED 75
17	Overseas Cheque Fee	AED 75 (in addition to actual cost)
18	Duplicate statement (per monthly statement)	AED 45

Terms & Conditions

No.	Description	Fees/Charges
1	Registration Fee	Free
2	Principal Card Annual Fee	Free
3	Supplementary Card Annual Fee	Free
4	Retail & Cash Interest Rates	Cash: 3.50% per month Retail: 3.65% per month
5	Retail & Cash Interest Rates in case of non-payment	Cash: 3.55% per month Retail: 3.72% per month
6	Installment Payment Plan Interest Rate (Balance Transfer & Easy Cash)	Starting from 1.25% per month
7	Early settlement for the Installment Payment Plan (IPP), Balance Transfer and Easy Cash	AED 100 + remaining interest according to the tenor period
8	Cash Advance Fee	3% of the Cash Withdrawal Amount or AED 200, whichever is higher
9	Foreign Currency Transaction Fee	2.85%
10	Credit Shield	1.04% per month on the Outstanding Amount of AED 11, whichever is higher
11	Cheque Return Fee	AED 300
12	Late Payment Fee	AED 230
13	Over Limit Fee	AED 300
14	Sales Receipt Copy (Credit Card Transaction Slip Copy)	AED 65
15	Liability Letter	AED 50
16	Card Replacement Fee	AED 75
17	Overseas Cheque Fee	AED 75 (in addition to actual cost)
18	Duplicate statement (per monthly statement)	AED 45