← All 169 cards
Cashback
Finance House
Cartnet Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
Monthly rate
3.65%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
53.8%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.65%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 53.8%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Up to 50% Cashback through the CartNet referral program
- Instant AED 400 cashback on each successful referral
- Free for life credit card, no registration or annual fee
- Up to 3 free supplementary cards
- Balance Transfer from 1.25% per month with zero processing fee
- Easy Cash: up to 90% of credit limit as cash, repay over up to 36 months
- Easy Payment Plan for any purchase above AED 1,000 (rates 1.10%-1.5% per month by tenor)
- Marhaba airport lounge access: Dubai T1 and T3, Al Maktoum T4, Cairo, Amman, Kuwait, Jeddah, Riyadh
- Credit Shield insurance covering death, total permanent disability, critical illness and involuntary loss of employment (1.04% per month of outstanding)
- Card Fraud Protection cover and 3D Secure one-time passwords
- Exceptional deals and discounts through Value House
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.