The Finance House CartNet Card is a no annual fee or joining fee credit card with deals and offers. Earn cash back or get many discounts and offers varying from dining to wellness to entertainment at a variety of outlets. The cardholder also gets the benefits of balance transfer and easy cash too among others
Features:
A no annual fee, free for life credit card
Up to 50% cashback and AED 400 on successful referral
Value House deals and discounts
Airport lounge access at leading international airports
Easy cash, easy payment plans, and balance transfers on this card
Fraud protection cover
Fees and Charges:
Supplementary Card Annual Fee: Free
Late Payment Fee: AED 230
Over limit Fee: AED 300
Cash Advance Fee: 3% of the Cash Advance Withdrawal or AED 200 whichever is higher
The Finance House Platinum Credit card is a card for all needs and purposes. It is a no annual fee, free for the life credit card that has many discounts and offers through Value House. Also, the cardholders get special privileges like free airport lounge access. It is a highly secure card where payments are easy and flexible.
Features:
Free for a life credit card
Get up to 90% cash withdrawal of the available cash limit
Convert purchases into easy payment plans
Transfer balance from other cards with interest as low as 1.25% per month
3D secure transactions for online safety.
Purchase Protection cover and Fraud Protection cover
Airport lounges access
Fees and Charges:
Supplementary Card Annual Fee: Free
Late Payment Fee: AED 230
Over limit Fee: AED 300
Cash Advance Fee: 3% of the Cash Withdrawal Amount or AED 200, whichever is higher
HSBC Zero Credit Card comes with zero annual fee on your primary card, zero interest on purchases. The card offers exciting Buy 1- Get 1 offers across.
Features:
Zero annual fee, Zero over limit fee, Zero cash advance fee and Zero processing fees on balance transfers
With HSBC Platinum Select Credit Card, you will earn Air Miles rewards on everyday spends. The card offers exclusive deals and offers like Buy 1-Get 1 offer, discount for flight booking, & hotel stays.
Features:
Earn Air Miles rewards on everyday spends
Exclusive ‘Buy 1 Get 1 Free’ offers
Avail purchase protection
Extended warranty for manufacturer’s warranty
Cash instalment plan
Cinema privileges
Complimentary HSBC ENTERTAINER app
Lifestyle benefits
Fees and Charges:
Supplementary Card Annual Fee: First 2 free, Fee of AED 52.5 thereafter
Late Payment Fee: AED 241.5
Over limit Fee: AED 262.5
Cash Advance Fee: 3.1% of total amount or AED 105, whichever is higher
HSBC Jade Credit Card helps you to earn Air Miles on your card spends. Avail Buy 1 – Get 1 free offers, discount on hotels, flight bookings, cinema tickets and much more.
Features:
Earn Air Miles on your card spends
Free access to 850+ airport lounges worldwide
Golfing privileges and International concierge
Unlimited valet parking
Dining and cinema benefits
Travel insurance
Valet parking
‘Buy 1 Get 1 Free’ offers across dining, leisure, retail and wellness with complimentary HSBC ENTERTAINER app
Fees and Charges:
Supplementary Card Annual Fee: Free
Late Payment Fee: AED 241.5
Over limit Fee: Free
Cash Advance Fee: 3.1% of total amount or AED 105, whichever is higher
With HSBC Premier Credit Card, you can earn Air Mile for every AED 1 spent. The card offers discount on flight booking, hotel stays, complimentary valet parking and much more.
Features:
Earn 1 Air Mile for every AED 1 spent
Access to a select number of airport lounges
Free global Wi-Fi worldwide
Complimentary valet parking
Free travel insurance
Cinema, dining and online shopping offers
Fees and Charges:
Supplementary Card Annual Fee: Free
Late Payment Fee: AED 230
Over limit Fee: Free
Cash Advance Fee: 3.1% of total amount or AED 105, whichever is higher
HSBC Advance Credit Card helps you to earn Air Miles rewards for every 1 AED spend on your card. Avail exclusive discount and offers on flight booking, hotel stay, cinema tickets and much more.
Features:
Air Miles rewards on all your spends
Free access to a select number of airport lounges
Interest free days
Purchase protection available
Card fraud protection
Complimentary valet parking
Cinema, Dining and other lifestyle benefits
Fees and Charges:
Supplementary Card Annual Fee: First 2 free, Fee of AED 52.5 thereafter
Late Payment Fee: AED 241.5
Over limit Fee: AED 262.5
Cash Advance Fee: 3.1% of total amount or AED 105, whichever is higher
The Deem Titanium Miles Up Credit Card is a travel and lifestyle card that offers accelerated Miles Up points for spends across travel, grocery, and retail spends worldwide. There are no annual fees for the first year. The card comes with insurance protection for credit card outstanding.
Features:
Earn Miles Up rewards on every airline ticket, hotel reservation, grocery spend, and supermarket purchases
Lounge access in more than 10 airports across the Levant and the Middle East
Benefit of insurance cover
Deals and discounts with the Deem Offers app
Lifestyle and travel benefits
Fees and Charges:
Supplementary Card Annual Fee: Free for up to 5 supplementary cards
Late Payment Fee: AED 241.5
Over limit Fee: AED 341.25
Cash Advance Fee: AED 105 or 3.15% of cash advance amount, whichever is higher
The Deem Platinum Miles Up Credit Card is free for life. It offers accelerated Miles Up points for spends across travel, hospitality, shopping, and retail spends worldwide. Airport lounge access and discounts to premium car rentals worldwide are included. Purchase protection for added value.
Features:
Accelerated Miles Up rewards program for every spend on airline tickets, hotel reservations, in-store and online shopping, and worldwide retails spends
Airport lounge access across the Levant and Middle East regions
Purchase protection cover
Insurance coverage benefit
Premium MyUS membership free for 2 years to shop from US retailers with affordable shipping rates
Complimentary valet parking service
Deals and discounts with the Deem Offers app
Fees and Charges:
Supplementary Card Annual Fee: Up to 5 supplementary cards free
Late Payment Fee: AED 241.5
Over limit Fee: AED 341.25
Cash Advance Fee: AED 105 or 3.15% of cash advance, whichever is higher
No late fee, cash advance fee or over limit fee on your Citi Simplicity Credit Card. Get access to airport lounges, exclusive offers on dining, online shopping.
Features:
No annual fees
No extra fees applicable on card
Supplementary Cards for family
Free VoucherSkout credits
Local discounts and offers on dining, online shopping and entertainment
No annual fee credit card is different from our credit cards, it basically bridges the gap between the customers expectations and bank offerings. As for a normal credit card you need to keep the account status active. Moreover they automatically deduct the annual fee from the account. And it’s not like you would get less perks and benefits. It’s just that both the cards have different and equal perks and benefits. No annual fee credit card is basically for the people who don’t use the card on daily bases so that they don’t worry about the annual fee.
It’s very similar to the basic credit card. The only difference is that no annual credit card doesn’t charge the yearly fee and the normal credit cards have some yearly fee to use the card. Just like a normal card you have a pin to access it.
There are alot of banks who offer no annual credit cards. Banks also have different offers and deals on credit cards, so it’s better to look into all the deals and then decide according to your own requirement.
Every card has its charges, fees and interests, but majorly no bank charges any extra charges for the no annual fee credit card. The process is similar to a normal credit card.
No, there are no such fees. It’s like a basic credit card. You have your own security pin to access the card. And while making an online payment, you put the details and to make the payment you get an OPT on the linked mobile phone number.
People who are very sensible while using a card should get a no annual fee credit card as they hardly use it. If they don’t even use it that much to pay an annual fee for no reason.
Having a credit card is always a plus one, when there’s no annual fee credit card its even better. As it gives you the opportunity to build credit, earn rewards like cash backs, even protection against credit card fraud and increased purchasing power.
There are alot of benefits of having a no annual fee credit, as it saves on interest and fees, you get better credit rewards, your credit score keeps on increasing every time you use it. You can make transactions sitting at home while using a card.
