Finance House UAE Credit Cards and Bank Accounts

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Finance House Platinum Credit Card review and fee maths

Value House and Mastercard merchant offers; no regular cash or points earning schedule verified.

No cinema benefit verified. · The official product page lists selected regional airport lounges for Mastercard Platinum. Confirm the current participating lounges, registration, visit limits and qualification with Finance House/Mastercard; no unlimited worldwide entitlement is assumed.

Monthly interest rate: 3.65%. Bank FX charge: 2.9925%.

No annual reward forecast is assumed; published product features and qualifying conditions are described separately.

Free for life, with no principal annual or registration fee. Merchant deals through Value House and Mastercard privileges are discounts; no standard cash or points earning programme was verified.

The linked KFS lists 3.65% monthly retail interest and 3.50% cash interest, rising to 3.72% and 3.55% respectively in case of non-payment. New purchases lose the interest-free period when the previous balance is not paid in full.

The foreign-currency transaction charge is 2.85% before VAT, equivalent to 2.9925% including VAT. Any separate scheme conversion charge was not quantified in the product-specific KFS.

Balance transfers, easy cash and instalment plans have separate rates, fees and eligibility. Preferential instalment rates must not be substituted for the standard purchase rate.

Official product page

Platinum card KFS

Card terms

Actual official bank product artwork, proportionally encoded for display. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Finance House CartNet Credit Card review and fee maths

Referral-network cashback and successful-referral bonuses. The advertised up-to-50% figure is conditional on network activity and is not an ordinary purchase earn rate.

No cinema benefit verified. · The product page lists selected regional lounges under Mastercard Titanium benefits, but the current KFS names Cartnet Platinum. Confirm the current card tier and lounge entitlement with Finance House/Mastercard before relying on access.

Monthly interest rate: 3.65%. Bank FX charge: 2.9925%.

No annual reward forecast is assumed; published product features and qualifying conditions are described separately.

This is a personal referral-network card, with no annual or registration fee. The product page advertises up to 50% cashback on personal expenditure through a successful referral network, plus AED 400 per successful referral. This is not a flat 50% cashback rate on ordinary card spending.

Referral qualification, network activity and programme limits determine the return. No reward forecast is assumed without the full current referral calculation and qualifying-network details.

The official page and linked card face say Mastercard Titanium, while the current KFS is titled Cartnet Platinum. The network is verified as Mastercard; the tier is left unconfirmed pending issuer clarification.

The KFS lists 3.65% monthly retail interest and 3.50% monthly cash interest, rising to 3.72% and 3.55% in case of non-payment. The 2.85% foreign-currency charge is before VAT, equivalent to 2.9925% including VAT; separate scheme charges were not quantified.

Official product page

Current Cartnet Platinum KFS

Published CartNet programme terms

Authentic artwork linked from the official CartNet product page says Titanium. The February 2026 KFS calls the product Cartnet Platinum; the current issued tier and artwork should be confirmed with Finance House. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Finance House investnation Credit Card review and fee maths

Secured borrowing against an eligible investnation investment account; no ordinary card rewards earning schedule verified.

No cinema benefit verified. · No complimentary lounge entitlement independently verified.

Monthly interest rate: 1.25%. Bank FX charge: 2.9925%.

No annual reward forecast is assumed; published product features and qualifying conditions are described separately.

A secured card for clients with a verified investnation investment account. The credit limit is advertised up to 90% of investment value; investments remain under lien as security and may be liquidated to recover unpaid card obligations.

No principal annual or registration fee. The product-specific KFS lists 1.25% monthly retail and cash interest, equivalent to a 15% nominal annual rate. The 2.85% foreign-currency charge is before VAT, equivalent to 2.9925% including VAT.

The up-to-7% annual return advertised on the page relates to the separate underlying investment product. It is not cashback, card reward income or a guaranteed investment return.

Generic Platinum benefits and salary wording also appear in shared page sections. Product-specific investment-account eligibility takes precedence; no unsecured salary-only eligibility or specific lounge allowance is assumed.

Official product page

Product-specific investnation KFS

Card terms

Actual official bank product artwork, proportionally encoded for display. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Finance House Rabeh Credit Card review and fee maths

Promotional draw entries: one base ticket per AED 10 spending, with stated multipliers and a 10,000-ticket billing-cycle cap. No guaranteed cash return.

No cinema benefit verified. · No complimentary lounge entitlement independently verified.

Monthly interest rate: 2.49%. Bank FX charge: 2.9925%.

No annual reward forecast is assumed; published product features and qualifying conditions are described separately.

For UAE nationals. The product-specific KFS requires at least AED 6,000 monthly salary and age 21–60. Principal annual and registration fees are free. Retail and cash interest are 2.49% per month, rising to 3.24% in case of non-payment.

Rabeh rewards are promotional draw entries, not guaranteed cashback or points with a fixed cash value. The current programme runs from 20 January to 31 December 2026 and requires an active eligible card, good standing, an active FH Money app and at least one card transaction in the 30 days before a draw.

The programme awards one base ticket per AED 10 spent, with specified acquisition and transaction multipliers, subject to a 10,000-ticket billing-cycle cap. The advertised prize pool is not included in an annual reward estimate.

The official Sanad page states that Sanad has been rebranded to Rabeh. Sanad is therefore not counted as a separate current new-application product.

The 2.85% foreign-currency charge is before VAT, equivalent to 2.9925% including VAT. Credit-shield and borrowing-facility charges are separate from rewards.

Official product page

Rabeh product-specific KFS

Current promotional draw rules

Sanad page: rebranded to Rabeh

Actual official bank product artwork, proportionally encoded for display. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Finance House Forsa Credit Card review and fee maths

No regular rewards earning schedule verified. Forsa consolidates existing credit-card balances at a conditional borrowing rate.

No cinema benefit verified. · No complimentary lounge entitlement independently verified.

Monthly interest rate: 1.25%. Bank FX charge: Confirm with bank.

Forsa is a debt-consolidation facility with no verified regular rewards programme; it should be assessed by total borrowing cost rather than ranked as a rewards card.

Forsa is a personal debt-consolidation card for UAE nationals, rather than a general rewards card. The product page advertises consolidation of up to AED 250,000 in existing card balances. Principal annual and registration fees are free.

The February 2026 KFS lists 1.25% monthly interest on a reducing balance. The rate rises to 2% monthly when payments are 60 days past due or the customer fails to close the consolidated other-bank cards within 60 days. The offered rate and repayment plan must be confirmed before applying.

The customer selects a monthly minimum repayment rate of 2%, 3%, 4% or 5%, subject to approved terms. A low minimum payment extends repayment and does not represent an interest-free plan.

No regular cashback programme, lounge entitlement or product-specific foreign-currency fee was verified. General Platinum/CartNet fees and lifestyle benefits are not assumed for Forsa.

The official FH Money product tile shows the actual Forsa Mastercard design. It is promotional artwork, so the chain graphic remains visible rather than being replaced with a reconstructed card.

Official Forsa product page: salary, nationality and consolidation limit

Current Forsa KFS: fees, interest, age and conditional rate

Official FH Money catalogue and Forsa product artwork

Authentic Finance House promotional product tile showing the Forsa Mastercard face with a chain motif. The issuer does not provide an isolated current packshot on the reviewed product page; the full official tile is preserved without inventing or reconstructing the face. Image source