Finance House (FH) is a pioneering Abu Dhabi-based finance company founded in 2004. As one of the UAE's first independent finance houses, FH has grown into a publicly listed financial institution known for innovative consumer finance products. Finance House credit cards in the UAE combine generous rewards with modern digital convenience. The company offers a suite of Mastercard credit cards – such as Platinum, CartNet, and the newly launched investnation card – aimed at providing value (high cashback, loyalty points) and flexibility (easy payment plans) to customers. Finance House's market position as an agile, non-bank lender allows it to introduce unique programs quickly; for example, FH rolled out the MySeva Card in collaboration with a charity platform, reflecting its creative approach. Backed by strong Emirati ownership and an investment-grade rating, Finance House delivers reliability alongside innovation.
Finance House (FH) is a pioneering Abu Dhabi-based finance company founded in 2004. As one of the UAE's first independent finance houses, FH has grown into a publicly listed financial institution known for innovative consumer finance products. Finance House credit cards in the UAE combine generous rewards with modern digital convenience. The company offers a suite of Mastercard credit cards – such as Platinum, CartNet, and the newly launched investnation card – aimed at providing value (high cashback, loyalty points) and flexibility (easy payment plans) to customers. Finance House's market position as an agile, non-bank lender allows it to introduce unique programs quickly; for example, FH rolled out the MySeva Card in collaboration with a charity platform, reflecting its creative approach. Backed by strong Emirati ownership and an investment-grade rating, Finance House delivers reliability alongside innovation.
Credit Card Strengths
- Big Cashback & Referral Rewards: FH credit cards feature standout cashback deals. The CartNet Titanium Card offers up to 50% cashback on select expenses (like Abu Dhabi tolls or entertainment) and even pays AED 400 for each successful referral. Cardholders regularly enjoy promotions such as 50% off movie tickets or streaming subscriptions when using FH cards, putting money back in your pocket.
- Fee-Free & Flexible: Many Finance House cards come free for life (no annual fee) as part of promotions, or waive fees with a minimum spend. FH also caters to those needing flexibility – cards support low interest installment plans, 0% balance transfers, and revolving credit with competitive rates (~2.49% monthly on Platinum). This makes FH cards attractive for budget-conscious users.
- Innovative Special-Interest Cards: FH differentiates itself with cards tailored to specific needs. The investnation Credit Card (launched 2025) is designed for investors, offering rewards tied to investment products. The Sanad Card targets UAE nationals with exclusive benefits. This specialization means customers can find a card that truly aligns with their lifestyle or financial goals.
Who Should Consider Finance House Cards?
- Value Maximizers: If you seek above-average cashback and frequent special offers, FH cards deliver (with up to 10% cashback in categories like groceries/fuel via promotions). Savvy savers who want the most rewards for every dirham will appreciate these programs.
- Fee-Adverse Customers: Those looking to avoid fees should consider FH's no annual fee offers. First-time credit card holders or anyone tired of paying annual fees can find relief with a Finance House card.
- Borrowers & Revolvers: Need to carry a balance or pay off other cards? FH's low-interest plans and balance transfer facilities at 0% make it ideal for consolidating debt or making large purchases, especially if traditional banks won't extend credit.
- Niche Market Segments: Investors, entrepreneurs, or Emirati customers who want a card that speaks to their needs – Finance House likely has a tailored product. The company's willingness to innovate means niche segments are often served better here than by mainstream banks.
Key Benefits
All Finance House credit cards integrate with modern digital banking – you can manage your card through the FH mobile app or web portal, including instant payments and tracking of reward points. FH Rewards (on Platinum and investnation cards) let you earn points for every AED spent, with higher earn rates for foreign currency transactions – great for travelers.
Cardmembers also get lifestyle perks through FH's partnerships: examples include concierge services for Platinum cardholders, airport lounge access via Mastercard LoungeKey for premium tiers, and discounts at retail and dining outlets across the UAE. Finance House frequently runs campaigns (like "spend X, get Y back") to keep engagement high – as a cardholder, you'll find new offers in your inbox regularly.
Customer service is personal and attentive, reflecting FH's smaller scale; many customers value the quick approvals and responsive support. In summary, Finance House credit cards pack high rewards and creative benefits, all while minimizing costs. Compare Finance House cards today and apply to experience a finance company that puts value and innovation first.
