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NAJM Credit Cards

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Offering financial solutions since 2008, Najm is a subsidiary of the Majid AI Futtaim Ventures and is headquartered in Dubai. With branchless banking & remarkable client benefits, the bank has taken the process of banking to another level. It works effortlessly with the aim of offering the easiest way to access banking.

Najm offers a wide range of financial products such as credit cards, prepaid cards, and corporate cards to meet the requirements of its valuable customers. Najm credit card is among its best product. With the Najm card online, customers can enjoy a plethora of amazing benefits & privileges such as cash back, rewards, discounts on travel, shopping, & entertainment, etc.

NAJM Card Types

Najm bank offers 5 types of credit cards in the UAE. They range from fee-free credit cards to high rewards credit cards. Well, each of the Najm card offers its own particular set of benefits as given below:

NAJM Card Types
Najm One Cash Back Credit Card Najm Voyager Platinum Credit Card
Najm Platinum Cashback Credit Card Najm Voyager Signature Credit Card
Najm Platinum Plus Cashback Credit Card  

Najm Platinum Cashback Credit Card

Najm Platinum Cashback Credit Card

  • Annual Membership Fee: No annual fee
  • Monthly Interest Rate: 3.25%
  • Foreign Currency Rate: 3%

Features & Benefits of Najm Platinum Cashback Credit Card:

  • Monthly Savings: With this Najm credit card, the cardholder can save a maximum of 200 AED every month.
  • VOX Cinema Offers:
    • The cardholder can avail 50% off on movie tickets every Sunday.
    • Member of this card can enjoy a maximum of 2 complimentary popcorns per session on buying 3 medium popcorns with this Najm card.  
  • Discounted Offers:
    • The cardholder can avail 30 percent discount across travel, shopping, and entertainment from more than 450 partners.
    • Members of this card can enjoy 9 percent off on Expedia hotels when they book their travel with this card.  
  • Dining Offers:
    • 20 percent off at 90 plus time out dining merchants.
    • 20 percent off for dining & stay at Jumeirah Group Hotels.
    • 20 percent off at 30 plus Meraas Food & beverages outlets on The Beach, The Outlet Village, City Walk, Last Exit, & Box Park.
  • Shopping Benefits:
    • Purchase Protection: The cardholder can enjoy the coverage on all the purchases they make against their card of USD 20,000 per year, 5000 USD per occurrence.
    • Extended Warranty: The card member can avail extended warranty over manufacture warranty of 5000 USD per year, 2500 USD per occurrence.
    • Global Merchant Discounts: The cardholder can enjoy 10 percent off on chic outlets at 9 luxury brand outlets.
  • Travel benefits:
    • This Najm card offers 10 percent off on 985,000 hotels on Agoda.com.
    • The card member can enjoy DragonPass airport dining offers on more than 200 airport restaurants.
    • Member of this Najm card can avail 15 percent off with YQ airport services like visa on arrival, limos, meet & greet, and the like.
    • With this card, the cardholder can enjoy 20 percent off on Avis car rental wherein they can enjoy 10 percent off on international rentals and 10 percent on local rentals.
    • The Najm credit card offers privileges on the Visa luxury hotel collection which includes VIP guest status, exclusive room rates,
  • Lifestyle Benefits:
    • 20 percent off from Sunday to Thursday at Roxy Cinemas.
    • 20 percent off at Meraas Leisure & Entetainment venues across The Beach, City Walk, last Exit, Box Park, and the Outlet Village.
  • Convenient Services: The bank also offers the facility of Easy Payment Plans (EPP), Loan on Phone, Cash advance, and balance transfer.
  • Supplementary Cards: The cardholder can avail a maximum of five supplementary/add-on cards for the eligible family members.
  • Gift Cards: Members of this card can choose from a wide range of gift cards to gift their loved ones.
  • Online Services:
    • Najm Card Online: The card member can easily access their Najm card Account from their phone or computer to pay their Najm credit card bill, DEWA & Etisalat bills, and convert their transactions into monthly installments.  
    • Premo: It is a web market place which provides a wide range of prepaid, virtual, and gift cards. The cardholder can gift these customized cards for any occasion to their loved ones.
  • Direct Debit: The bank provides you the facility of automating your Najm card’s monthly payments directly debited from your bank account ensuring your payments are cleared until the payment due date.  
  • Insurance: Najm offers the Global Emergency Assistance service, comprehensive lifestyle protection, MyGuard (a comprehensive protection service), and a Takaful protection plan (personal accident cover).

Najm Platinum Plus Cashback Credit Card

Najm Platinum Plus Cashback Credit Card

  • Annual Membership Fee: AED 420
  • Monthly Interest Rate: 3.25%
  • Foreign Currency Rate: 3%

Features & Benefits of Najm Platinum Plus Cashback Credit Card:

  • Monthly Savings: The cardholder can save a maximum of 500 AED every month with this credit card.
  • VOX Cinema Offers:
    • The cardholder can avail 50% off on movie tickets every Sunday.
    • With this cardthe cardholder can get “buy one, get one free” movie tickets and popcorn at VOX cinemas.
  • Discounted Offers:
    • The cardholder can avail 30 percent discount across travel, shopping, and entertainment from more than 450 partners.
    • Member of this card can enjoy 9 percent off on Expedia hotels when they book their travel with this card.  
  • Dining Offers:
    • 20 percent off at 90 plus time out dining merchants.
    • 20 percent off for dining & stay at Jumeirah Group Hotels.
    • 20 percent off at 30 plus Meraas Food & beverages outlets on The Beach, The Outlet Village, City Walk, Last Exit, & Box Park.
  • Shopping Benefits:
    • Purchase Protection: The cardholder can enjoy the coverage on all the purchases they make against their card of USD 20,000 per year, 5000 USD per occurrence.
    • Extended Warranty: The card member can avail extended warranty over manufacture warranty of 5000 USD per year, 2500 USD per occurrence.
    • Global Merchant Discounts: The cardholder can enjoy 10 percent off on chic outlets at 9 luxury brand outlets.
  • Travel benefits:
    • This Najm card offers 10 percent off on 985,000 hotels on Agoda.com.
    • The card member can enjoy DragonPass airport dining offers on more than 200 airport restaurants.
    • Member of this Najm card can avail 15 percent off with YQ airport services like visa on arrival, limos, meet & greet, and the like.
    • With this card, the cardholder can enjoy 20 percent off on Avis car rental wherein they can enjoy 10 percent off on international rentals and 10 percent on local rentals.
    • The Najm credit card offers privileges on the Visa luxury hotel collection which includes VIP guest status, exclusive room rates,
  • Lifestyle Benefits:
    • 20 percent off from Sunday to Thursday at Roxy Cinemas.
    • 20 percent off at Meraas Leisure & Entertainment venues across The Beach, City Walk, last Exit, Box Park, and the Outlet Village.
    • This Najm card offers the discount on green fees at 11 golf courses.
  • Convenient Services: The bank also offers the facility of Easy Payment Plans (EPP), Loan on Phone, Cash advance, and balance transfer.
  • Supplementary Cards: The cardholder can avail a maximum of five supplementary/add-on cards for the eligible family members.
  • Gift Cards: Member of this card can choose from a wide range of gift cards to gift their loved ones.
  • Online Services:
    • Najm Card Online: The card member can easily access their Najm card Account from their phone or computer to pay their Najm credit card bill, DEWA & Etisalat bills, and convert their transactions into monthly installments.  
    • Premo: It is a web market place which provides a wide range of prepaid, virtual, and gift cards. The cardholder can gift these customized cards for any occasion to their loved ones.
  • Direct Debit: The bank provides you the facility of automating your Najm card’s monthly payments directly debited from your bank account ensuring your payments are cleared until the payment due date.
  • Insurance:Najm offers the Global Emergency Assistance service, comprehensive lifestyle protection, MyGuard (a comprehensive protection service), and Takaful protection plan (personal accident cover).

Najm Voyager Platinum Credit Card

Najm Voyager Platinum Credit Card

  • Annual Membership Fee: AED 208.95
  • Monthly Interest Rate: 3.25%
  • Foreign Currency Rate: 3%

Features & Benefits of Najm Voyager Platinum Credit Card:

  • Easy Redemption:The cardholder can book their travel purchases (hotels, flights, tour packages, etc.) offline or online across the world and they can instantly redeem their voyager rewards.
  • VOX Cinema Benefits: With this cardthe cardholder can get a maximum of two “buy one, get one free” movie tickets and popcorn at VOX cinemas.
  • Introductory Offer: The annual fee will be waived off for the first year on spending of 10,000 AED within the first 2 months,
  • Dine & Fly Offers: This Najm card offers exclusive dining discounts at 200+ airports with Dine & Fly mobile app.
  • Global ATM Network: This Najm credit card is accepted at more than 1.9 million ATM locations across the globe.
  • Lifestyle Benefits: This Najm card enables its cardholder to enjoy 30 percent discount on travel, shopping, dining, & entertainment at some of the finest destinations of the UAE from 450+ merchants.
  • Convenient Services: The bank also offers the facility of Easy Payment Plans (EPP), Loan on Phone, Cash advance, and balance transfer.
  • Supplementary Cards: The cardholder can avail a maximum of five supplementary/add-on cards for the eligible family members.
  • Online Services:
    • Najm Card Online: The card member can easily access their Najm card Account from their phone or computer to pay their Najm credit card bill, DEWA & Etisalat bills, and convert their transactions into monthly installments.  
    • Premo: It is a web market place which provides a wide range of prepaid cards in physical as well as virtual form. The cardholder can gift these customized cards for any occasion to their loved ones.
  • Direct Debit: The bank provides you the facility of automating your Najm card’s monthly payments directly debited from your bank account ensuring your payments are cleared until the payment due date.
  • Insurance:Najm offers the Global Emergency Assistance service, comprehensive lifestyle protection, MyGuard (a comprehensive protection service), and Takaful protection plan (personal accident cover).

Najm Voyager Signature Credit Card

Najm Voyager Signature Credit Card

  • Annual Membership Fee: AED 523.95
  • Monthly Interest Rate: 3.25%
  • Foreign Currency Rate: 3%

Features & Benefits of Najm Voyager Signature Credit Card:

  • Voyager Welcome Rewards: On spending of 15,000 AED on this Najm credit card within the first two months, the cardholder can get a maximum of 75,000 Voyager Rewards (which is worth 750 AED).
  • Spend Rewards: Thecardholder can earn 3 Voyager rewards for every AED spent internationally , 2 Voyager rewards for every AED spent locally, and 1 Voyager reward for every AED spent on utility bill payments, e-government spends, school fees, & fuel purchases. .
  • Easy Redemption:The cardholder can book their travel purchases (hotels, flights, tour packages, etc.) offline or online across the world and they can instantly redeem their voyager rewards.
  • Vox Cinema Benefits: With this cardthe cardholder can get a maximum of two “buy one, get one free” movie tickets and popcorn at VOX cinemas.
  • Global Travel Privileges:
    • The cardholder can enjoy 12 free visits across over 1000 airport lounges with Visa LoungeKey.
    • With this Najm voyager credit card, the cardholder can get complimentary multi-trip travel insurance up to USD 500,000 and also round the clock Visa concierge services.
  • Dine & Fly Offers: This Najm card offers exclusive dining discounts at 200+ airports with Dine & Fly mobile app.
  • Global ATM Network: This visa signature credit card is accepted at more than 1.9 million ATM locations across the globe.
  • Lifestyle Benefits: This Najm card enables its cardholder to enjoy 30 percent discount on travel, shopping, dining, & entertainment at some of the finest destinations of the UAE from 450+ merchants.
  • Convenient Services: The bank also offers the facility of Easy Payment Plans (EPP), Loan on Phone, Cash advance, and balance transfer.
  • Supplementary Cards: The cardholder can avail a maximum of five supplementary/add-on cards for the eligible family members.
  • Online Services:
    • Najm Card Online: The card member can easily access their Najm card Account from their phone or computer to pay their Najm credit card bill, DEWA & Etisalat bills, and convert their transactions into monthly installments.  
    • Premo: It is a web market place which provides a wide range of prepaid cards in physical as well as virtual form. The cardholder can gift these customized cards for any occasion to their loved ones.
  • Direct Debit: The bank provides you the facility of automating your Najm card’s monthly payments directly debited from your bank account ensuring your payments are cleared until the payment due date.  
  • Insurance:Najm offers the Global Emergency Assistance service, comprehensive lifestyle protection, MyGuard (a comprehensive protection service), and Takaful protection plan (personal accident cover).
  • Discounted Offers:The cardholder can enjoy a maximum of 50% off on travel, dining, cinema, and entertainment.
  • Visa Benefits:The cardholder can enjoy a wide range of visa benefits including discount on Agoda & Hotels.com, golf benefits, purchase protection, extended warranty, and many more.

Najm ONE Cash Back Credit Card

Najm ONE Cash Back Credit Card

  • Annual Membership Fee: AED 313.95
  • Monthly Interest Rate: 3.25%
  • Foreign Currency Rate: 3%

Features & Benefits of Najm ONE Cash Back Credit Card:

  • Cashback Offers:
    • The cardholder can avail 10% cashback on utilities, groceries, fashion, online shopping, fuel, dining, school fees, travel, international spends, and everything else.
    • Member of this Najm card can get amazing cash back which will be automatically credited back to their credit card account each month.
    • With this Najm credit card, the cardholder can earn cashback a maximum of AED 500 every month. The more they use this credit card for making purchase, the faster they reach AED 500 monthly savings
  • VOX Cinema Offer: The cardholder will get complimentary “buy one, get one free” movie tickets and popcorn with this Najm credit card.
  • Najm Exciting Benefits: This Najm card enables its cardholder to enjoy 30 percent discount on travel, shopping, dining, & entertainment from 450+ partners.
  • Convenient Services: The bank also offers the facility of Easy Payment Plans (EPP), Loan on Phone, Cash advance, and balance transfer.
  • Supplementary Cards: The cardholder can avail a maximum of five supplementary/add-on cards for the eligible family members.
  • Gift Cards: Member of this card can choose from a wide range of gift cards to gift their loved ones.
  • Online Services:
    • Najm Card Online: The card member can easily access their Najm card Account from their phone or computer to pay their Najm credit card bill, DEWA & Etisalat bills, and convert their transactions into monthly installments.  
    • Premo: It is a web market place which provides a wide range of prepaid, virtual, and gift cards. The cardholder can gift these customized cards for any occasion to their loved ones.
  • Direct Debit: The bank provides you the facility of automating your Najm card’s monthly payments directly debited from your bank account ensuring your payments are cleared until the payment due date.
  • Insurance:Najm offers the Global Emergency Assistance service, comprehensive lifestyle protection, MyGuard (a comprehensive protection service), and Takaful protection plan (personal accident cover).

Features and Benefits of NAJM Credit Cards

Being a leading bank in the Emirates, Najm has a host of credit cards offers or the specific need of customers. Najm credit cards have been designed to cater the vital benefits to its cardholders. From amazing cashback offers to exciting discounted offers on travel, lifestyle, and entertainment, it covers all. However, Najm card benefits vary from one card to another; some of them are listed below:

  • Balance Transfer: Najm credit cards provide an amazing facility to transfer the outstanding balance from one Najm card to another. This facility makes them extremely useful especially for the customers looking to pay off their debt.
  • Easy Payment Plans (EPP):With the help of Najm credit cards, the cardholder can convert their large transactions into easy to pay monthly installments. But please note that the transactions that are converted to 0 percent installment plans will not earn cashback/reward points.
  • Loan on Phone:The cardholder can avail a maximum of 80 percent of their available Najm card limit which will be transferred to their bank account to pay off rent, school fees, and any other expenses.
  • Cash Advance:Member of the Najm credit cards have the privilege of withdrawing cash from ATMs across the globe that have the Cirrus logo.
  • VOX Cinema Offers:Majority of the Najm credit cards allow its cardholder to enjoy buy 1, get 1 offer on a maximum of 2 movie tickets & popcorn at VOX Cinemas.
  • Cashback: Who doesn’t like to get money for spending money? Of course, everyone! That’s what majority of Najm credit cards do. The cardholder can earn cash back for making a purchase on their credit card. Some cards provide the same cashback rates across all purchases while other credit cards offer higher cash back offers on some specific spending categories such as co-partnered supermarket spends. In all cases, cardholders get back a certain amount they spend on their credit card. But keep in mind that the percentage of cashback may differ from one card to another.
  • Amazing Discounts & Rewards: Najm credit cards are co-partnered with some great brands ranging from dining & shopping to travel & entertainment. Hence, it caters exclusive discount facilities, cash back offers, and rewards to its cardholders for making the most of their credit card.
  • Supplementary Cards:The cardholder can avail a maximum of five supplementary/add-on cards for their eligible family members.
  • Najm Credit Card Payment Options:The card member can make their Najm credit card payment through any of the given below payment channel:
    • Through online banking
    • Through Najm online
    • Through exchange houses such as AI Ansari Exchange, UAExchange, Redha Al-Ansari exchange, Al fardan exchange, and Al Ghurair exchange.
    • Through direct mail

NAJM Credit Card Offers

NAJM offers numerous types of credit cards to suit the different spending needs and requirements of the credit card seekers. There is a choice for every type of spender when it comes to the credit card variants of NAJM. Along with the numerous benefits provided to card members, there are also various special offers on this card. Some of the common NAJM credit card offers:

  • VOX Cinema Offers: There are two types of VOX Cinema Deals offered to many of the NAJM credit cardholders:
    • NAJM VOX Cinema Offer: The cardholder can enjoy ‘buy one get one’ movie ticket and popcorn on any day.
    • VISA VOX Offer: The card member can enjoy discounts of 50% only on Sundays.
  • NAJM Exclusive Deals: Card members can enjoy NAJM exclusive discounts that allow them a discount of 30% on various spending categories such as dining, travel, shopping, and entertainment from more than 450 partners.  
  • Visa Platinum Offers: There are numerous Visa Platinum NAJM Credit Card offers on dining, travel, shopping, and lifestyle on some of the card variants. Some of the exclusive Visa offers are:
    • 20% off on Dining at the merchants of Time Out Dining, on stay and dining at the Jumeirah Group Hotels, and at more than 30 Meeras Food and Beverage outlets across various destinations such as The Beach, Citywalk, Last Exit, The Outlet Village, and Box Park.
    • Shopping benefits such as extended warranty, purchase protection, and 10% discount on Chic Outlets across the nine outlets of the luxury brand.
    • Various travel discounts with the DragonPass dining discounts across more than 200 restaurants at the airport, 10% off on booking on the official website of Agoda, 15% off across various airport services, and 20% off on Avis car rental services.

Various lifestyle deals and offers such as Buy 1 Get 1 Free with VOX Cinemas, discounts of up to 20% from Sunday to Thursday at Roxy Cinemas, 20% discount on Meeras Leisure and Entertainment outlets across the various regions, and discount on green fees across eleven golf courses.

NAJM Credit Cards Interest Rates and Annual Fees in the UAE

Given below is a complete list of NAJM Credit Cards interest rates and annual membership fees:

Card Name Monthly Retail Interest Rate (in %) Annual Membership Fee (in AED)
Najm Platinum Cashback Credit Card 3.25 0
Najm Platinum Plus Cashback Credit Card 3.25 420
Najm Voyager Platinum Credit Card 3.25 208.95
Najm Voyager Signature Credit Card 3.25 523.95
Najm ONE Cash Back Credit Card 3.25 313.95

Eligibility Criteria of NAJM Credit Cards

Applying for a Najm credit card is not at all difficult. People can easily apply for the Najm card as the eligibility criteria are fairly relaxed. Following factors can determine whether an applicant is eligible for a Najm card or not:

  • Age: To be eligible for the Najm credit card, the applicant must be in the age group of 21-60 years. UAE nationals, however, can be up to 65 years of age.
  • Income: Every Najm credit card requires a minimum monthly income. This depicts that applicants should have proof of permanent monthly income to be eligible for the Najm credit cards.
  • Residency: Both UAE nationals and expats are eligible to apply for Najm credit cards. But applicants without a UAE residency will need to get in touch with a Najm representative for further instructions.
  • Credit Score: Regardless of the monthly income, poor credit history can still disqualify an applicant from getting a Najm credit card.  Thus, the applicant must have a good credit score to be eligible for a Najm credit card.

How to Apply for a NAJM Credit Card in the UAE?

Customers can apply for a Najm credit card by visiting the nearest bank branch, submitting an online application, or via phone or even through an e-mail. By submitting the required documents along with the filled-in credit card application form, an individual can get Najm credit card after securing approval from the bank.

Applying Online: The easiest mode of applying for the Najm card is through the online application. An applicant can visit the official website of the bank and click on the credit card sections. After that, go through all the credit cards offered by the bank, choose the desired credit card. Then click on the apply button, fill in the required details, and submit it online. Once all the details are filled in correctly, the bank will examine the credibility of the information filled in the credit card application form. Based on the eligibility criteria of the prospective applicant, the bank will decide whether the applicant has to receive the credit card or not.

Applying Offline: Those people who are not comfortable with the online process of applying for a Najm credit card can apply for the Najm card offline. All they need to visit the nearest bank branch of Najm and apply for a suitable credit card as per their basic requirements. The applicant has to fill up the required credit card application form with all the necessary details. If they meet the eligibility criteria as per the bank’s guidelines, their credit card application will be taken forward.

Applying Through Phone: Applicants can also apply for the Najm credit card through the phone. They can contact the bank representative via phone on:

  • 600 575 6256 - within UAE, and
  • +971 4 293 5811- outside UAE.

Documents you will require to complete the NAJM Credit Card application are as follows:

  • Application form
  • Passport copy with resident visa page
  • Emirates ID (for UAE nationals)
  • Salary certificate
  • Mini statement from the salary bank account
  • One month latest personal bank account statement(that includes salary information)
  • A trade license ( for self-employed applicants)
  • Security Cheque

Note: The applicant may need to submit the additional documents as per the sole discretion of the bank. 

NAJM Credit Card Charges in the UAE

Not all fees and charges applied on the Najm credit cards are negative. Few of the charges are the costs associated with using the service of a Najm card, such as:

  • Annual Membership Fee: Annual fee of Najm credit cards vary from one card to another as each of the Najm card has set its own annual membership fee.
  • Balance Transfer Processing Fee: Up to  5%

However, many of the fees and charges incurred because of negligence behavior or carelessness. These might include:

  • Late Payment Charges: - AED 241.50
  • Over-limit Charges: AED 301.35

You can find the complete list of Najm credit card fees & charges online on the bank’s official website. 

FAQs NAJM Credit Cards

Q1: How long will it take until I receive my new NAJM credit card?

Ans: Once the bank receives your credit card application form along with all the required documents, you are expected to receive your NAJM credit card in approximately 7-10 working days.

Q2: How will I know my credit card limit?

Ans: If your credit card application is successfully approved; you will receive a welcome pack along with your new credit card. Your credit card limit will appear on the card carrier. However, your credit card limit will also be indicated at the top of your monthly account statement.

Q3: What are supplementary cards?

Ans: Supplementary cards are also known as add-on cards, are credit cards that banks and financial institutions offer to the eligible family members of the primary cardholder. Well, supplementary credit cards work like primary cards and they are even eligible for the same benefits offered to its card members. Any reward points earned through the supplementary card(s) will automatically get credited to the primary member’s card account.

Q4: Is there an additional fee for supplementary credit cards?

Ans: Well, you can get up to 5 supplementary credit cards without having to pay any extra fee.

Q5: How can I make the Najm credit card payment?

Ans: You can make the Najm card payment through any of the given below payment channel:

  • Through online banking
  • Through Najm online
  • Through exchange houses such as AI Ansari Exchange, UAExchange, Redha Al-Ansari exchange, Al fardan exchange, and Al Ghurair exchange.
  • Through direct mail

Q6: What am I supposed to do if my credit card is stolen or lost?

Ans: Lost or stolen credit cards need to be reported to a bank representative as soon as possible. The bank representative will verify your identity. That is why you will likely need to provide your information such as name, address, or some other card-related information. After that, the bank will further block your credit card and replace it with a new credit card. Keep in mind that the longer you wait to report a missing card; the more at risk you are of paying for fraudulent credit card purchases.

Q7: How many days do I have to make the payment from the time my credit card statement is generated?

Ans: Payment can be made at any time of the statement date but it is advisable that the cardholders should pay the minimum amount within 25 days from the statement date. Otherwise, a late payment fee of AED 275 will be charged if no payment is made before the payment due date plus interest will also be charged on the outstanding balance.

Q8: Is there a maximum number of times that I can withdraw cash from Najm credit card

Ans: Well, there is no maximum number of times that you can withdraw cash from Najm credit card.

Q9: What is a credit card balance transfer?

Ans: A balance transfer is when you transfer the outstanding amount from one credit card account to another credit card account (In some cases, you may have to pay a fee to complete the balance transfer).

Q10: How do I convert my transactions to the Easy Payment Plan (EPP)?

Ans: You can access your credit card account on Najm online and easily convert your regular payments into easy to pay monthly installments.

Q11: What happens if my credit card expenditure exceeds my given credit card limit?

Ans: If in case your credit card limit exceeds your given credit card limit (inclusive of cash advances, retail purchases, fees, and all other charges), cardholders will have to pay an over-limit fee plus applicable taxes.

Q12: What is a late fee?

Ans: Typically credit card issuers will charge an annual membership fee and the retail interest rate on purchases made against a credit card. These charges are seen as minimum monthly payments that the cardholder is expected to make by a specified date. If you have not made the payment by this due date, you are liable to pay a late payment fee. This late payment fee is charged over the interest you’d normally pay on the outstanding debt. It is advisable to avoid late fees by paying on time every month, as late fees will also negatively affect your credit history which can bother you in the future.

However, the late payment fee on Najm Credit Cards is AED 241.50.

Q13: How will I know my current credit card account balance?

Ans: In order to check your credit card balance or any other credit card related queries, you can dial the bank’s toll-free number 600 57 NAJM (6256). Also, you can visit the official website of the Najm bank and log on to e-najm for online banking services.

Q14: When will my rewards expire?

Ans: Well, all the rewards are valid in your account for one year i.e. 12 months.

Q15: Can I get a loan on the Najm credit card?

Ans: Indeed, yes! Najm cardholders can easily get a loan on their credit cards. But make sure, you go through all the terms and conditions carefully.