NAJM Credit Cards

Offering financial solutions since 2008, Najm is a subsidiary of the Majid AI Futtaim Ventures and is headquartered in Dubai. Najm strives to meet all the financial needs of an individual. With a sole aim of doing things in a great yet different manner, Najm has created a wide range of financial products such as credit cards, prepaid cards, and corporate cards to meet the requirements of its valuable customers. With Najm Card, customers can enjoy amazing benefits such as cash back, balance transfer options, easy instalment plans, discounts and rewards etc.

With branchless banking and tremendous client benefits, NAJM has truly changed the process of banking. It works effortlessly with an aim of offering the easiest way to access banking.

Types of NAJM Credit Cards

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

Types of NAJM Credit Cards
 

1. Najm Platinum Cashback Credit Card

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

Benefits of Najm Platinum Cashback Credit Card

  • Cardholders of Najm card will get direct access to check-out counters at Carrefour supermarket which enables them to beat the queue
  • Cardholders can earn 1.5 cashback on their day to day purchases from Carrefour supermarket, 3% cashback every Tuesday, and 0.5% cashback on all other purchases anywhere but make sure Visa card must be accepted there
  • “Buy one, get one free” offer on medium popcorn in VOX cinemas with this platinum cash back credit card
  • Free unlimited valet trolley at Carrefour supermarket
  • Exclusive category discounts and offers at Carrefour for Najm credit card holders
  • Visa Platinum discounts on travel, dining, shopping, and entertainment
  • Visa Platinum extended warranty and purchase protection
  • With this platinum cash back credit card, cardholders can save up to AED 200

2. Najm Platinum Plus Cashback Credit Card

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

Benefits of Najm Platinum Plus Cashback Credit Card

  • Cardholder will get complimentary “Buy one, get one free” VOX movie tickets and popcorn with this Najm card.
  • Cardholders of Najm card will get direct access to check-out counters at Carrefour supermarket which enables them to beat the queue
  • Card owners of this credit card get exclusive 10% introductory cash back for the first two months and 5% introductory cash back for the first two months anywhere else but make sure Visa card must be accepted there.
  • On every Tuesday, earn 6% cash back at Carrefour using this credit card, 3% cashback for every AED spent in Carrefour and 1.5% for every AED spent anywhere else where Visa card is accepted.
  • Card owners will get free unlimited valet trolley at Carrefour hypermarkets
  • Visa Platinum extended warranty and purchase protection
  • Exclusive category discounts and offers at Carrefour for Najm credit card holders
  • Visa Platinum discounts on travel, dining, shopping, and entertainment
  • Credit Card Cardholders can save up to AED 500 with this card

 3. Najm Voyager Platinum Credit Card

  • Eligibility: Minimum monthly salary of AED 8,000
  • Annual Membership Fee: AED 208.95
  • Monthly Interest Rate: 3.25%
  • Foreign Currency Rate: 3%

Benefits of Najm Voyager Platinum Credit Card

  • Cardholder will get complimentary “Buy one, get one free” VOX movie tickets and popcorn with this Najm card.
  • Cardholders can enjoy 50% discounts on travel, dining, and entertainment
  • Exclusive 9% discount through najmvoyager.com at more than 550 airlines including budget airlines and more than 175,000 Expedia hotels
  • This Najm credit card offers exclusive discounts at 200+ airports with Dine & Fly mobile app.
  • Cardholders can earn 2.5 Voyager rewards on international spending or spending on Voyager Portal and 1.5 Voyager rewards for domestic spending.
  • Owners of this Najm voyager credit card get global emergency assistance, annual purchase protection cover, and extended warranty for up to 24 months.

4. Najm Voyager Signature Credit Card

  • Eligibility: Minimum monthly salary of AED 12,000
  • Annual Membership Fee: AED 523.95
  • Monthly Interest Rate: 3.25%
  • Foreign Currency Rate: 3%

Benefits of Najm Voyager Signature Credit Card

  • Cardholder will get complimentary “Buy one, get one free” VOX movie tickets and popcorn with this Najm voyager credit card.
  • Exclusive 9% discount through najmvoyager.com at more than 550 airlines including budget airlines and more than 175,000 Expedia hotels
  • Unlimited complimentary access to 950+ airport lounges
  • Exclusive discounts at more than 200 airports with Dine & Fly mobile app
  • Earn 3 Voyager rewards per AED on international spends or spends on Voyager Portal and 2 Voyager rewards per AED for domestic spends
  • Cardholders can enjoy 50% discounts on travel, dining, and entertainment
  • Owners of this Najm credit card get global emergency assistance, annual purchase protection cover, and extended warranty for up to 24 months.
  • Cardholders can enjoy up to 30% discount at golf resorts and privileges
  • With this Najm voyager credit card, cardholders get complimentary multi-trip travel insurance and concierge services

5. Najm ONE Cash Back

  • Eligibility: Minimum monthly salary of AED 8,000
  • Annual Membership Fee: AED 313.95
  • Monthly Interest Rate: 3.25%
  • Foreign Currency Rate: 3%

Benefits of Najm ONE Cash Back

  • Cardholder will get complimentary “Buy one, get one free” VOX movie tickets and popcorn with this Najm credit card.
  • Cashback rewards up to 10% on utilities, groceries, fashion, online shopping, fuel, dining, school fees, travel, international spends, and everything else.
  • Cardholders can get amazing cash back every month which will be automatically credited in card statement
  • Cardholders can get amazing cashback rewards which start from AED 75 for all purchases
  • With this credit card, you could save AED 500 every month. The more you use Najm One, the faster you reach AED 500 monthly savings

6. Najm Carrefour Cashback Blue

  • Eligibility: Minimum monthly salary of AED 7,000
  • Annual Membership Fee: No annual fee
  • Monthly Interest Rate: 3.25%
  • Foreign Currency Rate: 3%

Benefits of Najm Carrefour Cashback Blue

  • Cardholders of Najm card will get direct access to check-out counters at Carrefour supermarket which enables them to beat the queue
  • “Buy one, get one free” offer on popcorn in VOX cinemas with this credit card
  • Cardholders can earn 1.5 cashback at Carrefour and 0.5% cash back elsewhere
  • Cardholders can get 12 months 0% EPP on purchases through Carrefour online store and up to 9 months for in-store purchases
  • Get travel discounts up to 50% with this credit card
  • Cardholders can save up to AED 200 with this credit card

7. Najm Carrefour Cashback Gold

  • Eligibility: Minimum monthly salary of AED 7,000
  • Annual Membership Fee: AED 420
  • Monthly Interest Rate: 3.25%
  • Foreign Currency Rate: 3%

Benefits of Najm Carrefour Cashback Gold

  • Najm credit card holders can beat the queue, with few dedicated Najm check-out counters in all Carrefour hypermarkets across the UAE
  • Earn 3% cash back at Carrefour hypermarket and 1.5% cash back elsewhere
  • Cardholders can get 12 months 0% EPP on purchases through Carrefour online store and up to 9 months for in-store purchases
  • Cardholder will get complimentary “Buy one, get one free” VOX movie tickets and popcorn with this Najm card.
  • Get travel discounts up to 30% with this credit card
  • Cardholders can get an introductory offer of 10% booster cashback at Carrefour and 5% spends elsewhere for the first 60 days.
  • Cardholders can save up to AED 500 with this credit card
  • Automatic rewards redemption through Carrefour voucher redeemable at all the Carrefour stores in all over UAE

8. Najm Carrefour Cashback Silver

  • Eligibility: Minimum monthly salary of AED 7,000
  • Annual Membership Fee: AED 262.50
  • Monthly Interest Rate: 3.25%
  • Foreign Currency Rate: 3%

Benefits of Najm Carrefour Cashback Silver

  • Najm cardholders can beat the queue, with few dedicated Najm check-out counters at all Carrefour hypermarkets in all over UAE
  • Earn 3% cashback at Carrefour and 1% cash back elsewhere
  • Cardholders can get 12 months 0% EPP on purchases through Carrefour online store and up to 9 months for in-store purchases
  • Get travel discounts up to 30% with this credit card
  • Cardholder will get complimentary “Buy one, get one free” VOX movie tickets and popcorn with this Najm credit card.
  • Cardholders can get an introductory offer of 10% booster cashback at Carrefour and 5% spends elsewhere for the first 60 days.
  • Cardholders can save up to AED 300 with this credit card
  • Automatic rewards redemption through Carrefour voucher redeemable at all the Carrefour stores in all over UAE

Features and Benefits of NAJM Credit Cards

Najm – One of the UAE’s leading banks that offer a variety of credit cards offers for the specific need of customers in the country. Najm credit card has been designed to cater the vital benefits to its cardholders. From amazing cashback offers to amazing discount offers, it covers all. Najm card benefits vary from one card to other; some of them are listed below:

  • No Annual Fees: Najm offers a few credit cards to its valuable customers who don’t have any kind of annual charges. That means these credit cards are free for life. Najm credit cards with no annual membership fee also come up with a range of benefits.
  • Balance Transfer: Najm credit cards provide an amazing facility to transfer the balance from one Najm card to another. This facility makes them extremely useful especially for the customers looking to pay off their debt. By transferring the balance, cardholders of Najm credit cards can get preferential rates for 6, 9, or 12 months.
  • Cashback: Who doesn’t like to get money for spending money? Of course, everyone! That’s what most of Najm cash back credit card does. Cardholders 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 cash back may differ from one card to another.
  • Interest-Free Credit: Najm credit cards give a 55-day interest-free period to make the payment after purchase. It provides credit card owner a sufficient time to make the payment without incurring extra charges or penalty. This facility is especially beneficial for those cardholders who get their purchases reimburses from their employer.
  • Amazing Discounts & Rewards: Najm credit card co-partnered with some great brands ranging from dining to travel. Hence, it caters exclusive discount facilities, cash back offers, and rewards to its cardholders for making the most of their credit card.

NAJM Credit Cards Profit Rates and Annual Fees in the UAE

Given below is a complete list of NAJM Credit Cards interest rates and annual membership fees for cards available in the market today.

Card Name

Monthly Retail Interest (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

3.25

313.95

Najm Carrefour Cashback Blue

3.25

0

Najm Carrefour Cashback Gold

3.25

420

Najm Carrefour Cashback Silver

3.25

262.50

(Updated as of Jan 2019)

NAJM Credit Cards Eligibility

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

  1. Age: To apply for Najm’s credit card, the applicant should be in the age group of 21-60 years. UAE nationals, however, can be up to 65 years of age.
  2. Income: Every Najm credit card requires a minimum monthly income. These values range from AED 7000 to AED 12000 per month. This depicts that applicants should have proof of permanent monthly income to be eligible for the Najm credit cards.
  3. Residency: Both UAE nationals and expats are eligible for Najm credit cards. But applicants without a UAE residency will need to get in touch with a Najm representative for further instructions.
  4. Credit Score: Regardless of your monthly income, poor credit history can still disqualify you from getting a Najm credit card. Bank representative will also cross-check for the prospective applicant’s existing debt. Having debt more than 50% of your monthly income may immediately disqualify you.

NAJM Credit Cards Based On Your Salary

As mentioned earlier, each NAJM Credit Cards has its own requirement for minimum monthly income. These are given below:

Name of Card

Minimum Monthly Income (in AED)

Najm Platinum Cashback Credit Card

7,000

Najm Platinum Plus Cashback Credit Card

7,000

Najm Voyager Platinum Credit Card

8,000

Najm Voyager Signature Credit Card

12,000

Najm ONE Cash Back

8,000

Najm Carrefour Cashback Blue

7,000

Najm Carrefour Cashback Gold

7,000

Najm Carrefour Cashback Silver

7,000

(Updated as of Jan 2019)

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

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

Najm Card Online:

The easiest mode of applying NAJM Credit Card is through the online application. An applicant can go to the official web portal of Najm at www.najm.ae and click on the credit card sections. Go through all the credit cards which the bank offers to its customers, choose the credit card that suits your budget and requirement. Then click on the apply button, fill in the required details, and click on the submit button. Once the details are filled in, 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.

Najm Card Offline

Those people who are not comfortable with the online process of applying 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 the credit card of his/her choice as per the 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.

Najm Card via Phone or Email

Customers may also send a mail to najm.customerservice[@]maf[.]co.ae to initiate the credit card application process, or contact a Najm 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:

  • Passport copy
  • Resident Visa (for UAE residents)
  • Emirates ID (for UAE nationals)
  • Salary certificate
  • A trade license ( for self-employed applicants)
  • Security Cheque

NAJM Credit Cards Interest Rates in UAE

Every Najm credit card charges two types of interest rates: retail interest and cash advance interest. Retail interest applies on overdue amounts that are left over after your payment date has expired. Well, each of Najm card offers the same retail interest rate that is 3.25%.

While cash advance interest is the interest charged on cash withdrawn from the credit limit. Cash advance interest on Najm Credit card charged from the date of the withdrawn. Monthly Cash Advance Interest rate is 3.75%

The NAJM Credit Card Limit

Credit card limit is basically the purchase limit set by the credit card issuer on a particular credit card. The credit card limit, which usually, in terms of money, is the maximum amount the cardholder can spend in a month by using the credit card. For instance, if your bank provides you with a credit card with a limit of AED 50,000, you can’t spend beyond that amount on your credit card.

However, each Najm Credit Card offers a varying credit limit from customer to customer, depending on their financial status and prior credit history. In order to check your Najm credit card limit, visit the Najm’s online banking page and log in with your credentials.

Najm customers may also request an increase to their credit limit by visiting the bank branches or by talking to a Najm bank representative at (+971) 600 575 6256. Keep in mind that requests for an increase in credit card limit mainly depend on your payment history with the bank. So make sure you maintain a good repayment record as it will definitely increase the chances of having your request approved.

NAJM Credit Card Charges in UAE

Not all fees and charges applied on your Najm credit card 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 3 %

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

  • Late Payment Penalty- AED 288.75
  • Over-limit Penalty- AED 288.75

You can find the complete list of Najm credit card charges online.

How To Cancel A Najm Credit Card?

In order to cancel a Najm credit card, the cardholder can visit the nearest Najm branch and meet an executive and inform about the intention to close the existing credit card. Fill in the required details of Credit Card Closure Form and submit the form to the Branch Manager. Mind it, the request will only be accepted after all payments and interests have been paid out fully. Once all dues and payments have been cleared, Najm will cancel your credit card.

Cardholders can also cancel their Najm credit card by contacting a bank representative at (+971) 600 575 6256.

Note: It is advised to cut your Najm credit card only after all the formalities have been completed so that nothing is left on your side.

Why Should You Choose NAJM’s Credit Card?

There are numerous reasons that make NAJM best for availing credit cards. Najm’s credit card offers its valuable customers a wide variety of credit cards that fulfil diverse customers basic needs and requirements. The bank understands the changing requirement of its customers and offers it through their credit cards. It offers travel rewards, money back policies, discounts on dining, grocery, shopping to meet day to day need of its customers.

  • An assortment of Credit Cards

Najm has designed credit card by keeping in mind different type of customers and their day to day needs. There is a variety of credit cards that offer a range of benefits, rewards, and discounts on travel, dining, lifestyle, and entertainment etc. One can choose from the available options which suit their requirement and budget.

  • Best Reward Points

Najm credit card offers reward points against every purchase which can be further redeemed for securing vouchers, amazing deals, and at some certain merchandise.

  • Insurance Benefits & Purchase Protection

Most of the Najm credit cards come with insurance coverage in case of any unforeseen event. It includes travel accident insurance coverage and lost luggage insurance.

NAJM Credit Cards FAQs

Q.1. How long will it take until I receive my new NAJM credit card?

Once we receive your credit card application form and provided all the required documents, you are expected to receive your NAJM Credit Card in approximately 7-10 working days.

Q.2. How will I know my credit card limit?

If your credit card application is successful, you will receive a welcome pack with your new credit card. Your credit card will appear on the card carrier. Your credit card limit will also be indicated at the top of your monthly Statement of Account.

Q.3. What are supplementary cards?

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

Q.4. Is there an additional fee for Supplementary Credit Cards?

You can get up to 5 supplementary credit cards without having to pay any extra fee.

Q.5. How can I get Supplementary Credit Cards for my family members?

You are required to simply fill the section titled “Supplementary Cards” on the Credit Card Application Form and ensure the Supplementary Card members passport copy is attached with it.

Q.6. What am I supposed to do if my credit card is stolen or lost?

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. He/she will further block your credit card and further 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.

Q.7. How many days do I have to make payment from the time my credit card statement is produced?

Payment can be made 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 due date plus interest will also be charged on the outstanding balance.

Q.8. Is there a maximum number of times that we can withdraw cash from Najm credit card?

Well, there is no maximum number of times that you can withdraw cash from Najm credit card. You can withdraw 25% of your credit card limit in total.

Q.9. What is credit card balance transfer?

A balance transfer is when you transfer the 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).

Q.10. How do I convert my transactions to Easy Installment Plan?

You can access your credit card account on Najm online and easily convert your regular payments into instalments.

Q.11. What happens if my credit card expenditure exceeds my given credit card limit?

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.

Q.12. What is a late fee?

Typically credit card issuers will charge an annual membership fee and interest on purchases made on 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 fee on Najm Credit Cards is AED 288.75

Q.13. How will I know my current credit card account balance?

In order to check your credit card balance or any other credit card related queries, you can call us at Najm card toll free number 600 57 NAJM (6256). Also, you can go to our official website www.najm.ae and log on to e-najm for online banking services.

Q.14. How can I make payments?

There are numerous Najm card payment options for your Najm credit card available offline as well as offline.

Q.15. Can I get a loan on the Najm credit card?

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.