Gold Credit Card

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Overview

Packed with an array of carefully selected features and benefits, Finance House Gold Credit Card is designed to meet all your needs, while providing you with a highly secure, convenient and flexible way to make all your payments.

Highlights

Free for life Credit Card
Exceptional deals and discounts through Value House
Free supplementary 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 Mastercard Gold Card

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

Transfer your balance from any other credit card to your Finance House Mastercard Gold 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 4 supplementary cards , and provide your loved ones with the much needed financial freedom while being able to keep track of all the spends.

Credit Shield cover:

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

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 Gold 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 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 Credit Card’s bills at any branch of the following exchange houses with no extra charge:

*Payments made through Exchange Houses will take two working days to be credited.

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	Retail: 3.49% per month, Cash: 3.50% per month Retail: 3.65% per month – Starting June 1, 2021
5	Retail & Cash Interest Rates in case of non-payment	Retail: 3.55% per month, Cash: 3.55% per month Retail: 3.65% per month – Starting June 1, 2021
6	Installment Payment Plan Interest Rate (Balance Transfer & Easy Cash)	Starting 1.25% per month
7	Cash Advance Fee	3% of the Cash Withdrawal Amount or AED 200, whichever is higher
8	Foreign Currency Transaction Fee	2.85%
9	Credit Shield	0.93% per month on the Outstanding Amount or AED 11, whichever is higher 1.04% per month – Starting June 1, 2021
10	Cheque Return Fee	AED 300
11	Late Payment Fee	AED 230
12	Over Limit Fee	AED 300
13	Sales Receipt Copy (Credit Card Transaction Slip Copy)	AED 65
14	Liability Letter	AED 50
15	Card Replacement Fee	AED 75
16	Overseas Cheque Fee	AED 75 (in addition to actual cost)
17	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	Retail: 3.49% per month, Cash: 3.50% per month Retail: 3.65% per month – Starting June 1, 2021
5	Retail & Cash Interest Rates in case of non-payment	Retail: 3.55% per month, Cash: 3.55% per month Retail: 3.65% per month – Starting June 1, 2021
6	Installment Payment Plan Interest Rate (Balance Transfer & Easy Cash)	Starting 1.25% per month
7	Cash Advance Fee	3% of the Cash Withdrawal Amount or AED 200, whichever is higher
8	Foreign Currency Transaction Fee	2.85%
9	Credit Shield	0.93% per month on the Outstanding Amount or AED 11, whichever is higher 1.04% per month – Starting June 1, 2021
10	Cheque Return Fee	AED 300
11	Late Payment Fee	AED 230
12	Over Limit Fee	AED 300
13	Sales Receipt Copy (Credit Card Transaction Slip Copy)	AED 65
14	Liability Letter	AED 50
15	Card Replacement Fee	AED 75
16	Overseas Cheque Fee	AED 75 (in addition to actual cost)
17	Duplicate statement - per monthly statement	AED 45