Quoted from Finance House's published terms. Anything we could not match to the issuer's own words is not listed.
No annual fee charged for the principal CartNet Card - free for life.
“Free for life credit card”
Source: https://www.financehouse.ae/en/personal-finance/credit-cards/cartnet-card/ · Last checked 8 Oct 2026
Avail up to 3 free supplementary cards with no annual fee, providing your loved ones with financial freedom while tracking all spends.
“Avail up to 3 FREE supplementary cards”
Source: https://www.financehouse.ae/en/personal-finance/credit-cards/cartnet-card/ · Last checked 8 Oct 2026
Referring cardholders earn 1% cashback on qualifying transactions posted to the referred card, capped at 50% of the referring cardholder's spend per billing cycle, provided both cardholders spend at least AED 1,000 in that cycle.
“The Referring Cardholder will earn 1% Cashback on Qualifying Transactions posted to the Referred Cards only.”
Source: https://www.financehouse.ae/wp-content/uploads/2021/11/Cartnet-TermsConditions_14-Oct-2021_LLC.pdf · Last checked 8 Oct 2026
Earn an instant AED 400 reward for each successful referral when the referred cardholder activates their card and spends AED 1,000 within the same billing cycle.
“Instant Referral Reward of AED 400 (Four Hundred Dirhams only) for every successful referral activated”
Source: https://www.financehouse.ae/wp-content/uploads/2021/11/Cartnet-TermsConditions_14-Oct-2021_LLC.pdf · Last checked 8 Oct 2026
Avail up to 90% of credit limit as cash and repay over a period of up to 36 months with interest rates starting from 1.85% per month for shorter tenors or 1.5% for longer tenors.
“Avail up to 90% of credit limit as cash, and repay over a period of 36 months”
Source: https://www.financehouse.ae/en/personal-finance/credit-cards/cartnet-card/ · Last checked 8 Oct 2026
Access exceptional deals and discounts through Value House benefits program for CartNet cardholders.
“Exceptional deals and discounts through Value House”
Source: https://www.financehouse.ae/en/personal-finance/credit-cards/cartnet-card/ · Last checked 8 Oct 2026
Be protected from cyber theft or fraud when using your credit card online with encrypted One Time Passwords sent to your registered mobile phone for authorization of online transactions.
“3D Secure: Be assured that you are protected from any cyber theft or fraud when using your credit card online”
Source: https://www.financehouse.ae/en/personal-finance/credit-cards/cartnet-card/ · Last checked 8 Oct 2026
Protect yourself against unauthorized transactions on your Finance House CartNet Credit Card with fraud protection cover.
“Card Fraud Protection cover: Protect yourself against unauthorized transactions on your Finance House MasterCard”
Source: https://www.financehouse.ae/en/personal-finance/credit-cards/cartnet-card/ · Last checked 8 Oct 2026
Published changes, newest first. A perk list that never changes is a perk list nobody is checking.
The CartNet Card is free for life — Finance House publishes no annual fee. The CartNet Card has no annual fee for life. Page 1 Fees/Charges table row 2 states 'Principal Card Annual Fee Free'. The card overview also describes it as 'Free for life credit card'. No minimum salary requirement is stated in the provided pages.
The CartNet Card carries 8 verified benefits across 5 categories: Annual fee waiver, Cashback, Installments, Other, Purchase protection. Each is quoted from Finance House's own published terms on this page.
Every benefit here carries the date it was last read from the issuer's published terms. This page is verified this week. Anything we could not verify against the issuer's own words is not shown at all.
Bustan tracks every perk across all the cards in your wallet at once, and reminds you before the ones that reset run out. It never asks for a card number or a bank login.
See what you're wasting.Every benefit on this page is quoted from the issuer's own published terms and links back to the page it was read from, with the date it was last checked. Bustan is not affiliated with any bank. Issuers and rights holders who want a quotation corrected or removed can write to support@getbustan.com and we will act on it. Published by Jasmine Entertainment FZE.