Finance House CartNet
Finance House CartNet is a UAE credit card with Cashback rewards. Its published minimum monthly salary is AED 5,000. The listed annual fee is AED 0. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 3.4/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Bank FX charge 2.9925%; scheme charges may apply
Explore all Finance House cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 5,000
- Annual fee
- AED 0
- Bank FX charge
- 2.9925%; scheme fees may apply
- Monthly interest rate
- 3.65%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
The official CartNet product page lists monthly salary of AED 5,000 or above. Residency, supporting documents, current product tier and Finance House credit assessment must be confirmed.
Cashback or points earning rules, thresholds and caps
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.
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published earning | Category cap / month | Conditions |
|---|---|---|---|
| Referral-network cashback | Up to 50% of personal expenditure | Full current network formula and limits require confirmation | Depends on successfully referred members and their qualifying activity |
| Successful referral | AED 400 advertised | Successful-referral terms apply | Not a guaranteed bonus for merely applying or spending |
Why this card has no annual AED forecast
No annual reward forecast is assumed; published product features and qualifying conditions are described separately.
Published earning rates, known fees and bank conditions remain available in this review.
Check Finance House's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
No annual reward forecast is assumed; published product features and qualifying conditions are described separately.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for Finance House CartNet Credit Card
Finance House CartNet Credit Card
Dirham Score 3.4/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Bank FX charge 2.9925%; scheme charges may apply
The official CartNet product page lists monthly salary of AED 5,000 or above. Residency, supporting documents, current product tier and Finance House credit assessment must be confirmed.
View breakdown
No annual reward forecast is assumed; published product features and qualifying conditions are described separately.
Calculation assumptionsRewards, fees & important conditions
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 bank source · checked 2026-10-24Published 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
Lounge, cinema, valet and golf conditions
- Airport lounges: 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.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- 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.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
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Compare Finance House CartNet Credit Card with CBD Super Saver Visa Signature Credit CardFinance House CartNet FAQs
What salary do you need for Finance House CartNet?
The published minimum monthly salary is AED 5,000. The bank also assesses your application and credit profile; meeting the salary threshold does not guarantee approval.
What is the annual fee for Finance House CartNet?
The listed annual fee is AED 0. Joining fees, recurring plan charges, borrowing costs and transaction fees may be separate. Check the linked official tariff and any waiver conditions.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- Finance House CartNet Credit Card official product terms
- Finance House: Official product page
- Finance House: Current Cartnet Platinum KFS
- Finance House: Published CartNet programme terms
- Finance House CartNet Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.