Headquartered in Dubai, Najm is a subsidiary of the Majid AI Futtaim Ventures. The bank is known to provide impeccable banking services since 2008. It has taken the banking industry to all-new levels with unique client benefits and branchless banking services.
Najm offers a wide range of banking products such as prepaid cards, credit cards, corporate cards, and much more for individual clients. Najm credit card is one of the best products the bank offers. Najm offers multiple credit cards with various useful benefits & features.
Najm Free for Life Credit Card in UAE
Najm Platinum Cashback Credit Card is the only free for life credit card.
Najm Platinum Cashback Credit Card
Minimum Salary AED 7,000
Annual Fee Free for Life
- Free for Life
- Movie Discounts
- Golf Benefits
- Special Discounts
Here are the benefits & features of this Beneficial Credit Card
- Annual Fee: Platinum Cashback Credit Card is a Najm no annual fee credit card where cardholders need not pay an annual fee and can use the card free for a lifetime.
- Reasonable Interest Rate: Najm Platinum Cashback Credit Card levies a monthly interest rate of 3.25 percent on the outstanding amount, which is not paid on the due date.
- Foreign Currency Rate: Najm Platinum Cashback Credit Card offers a foreign currency rate of 3 percent for the cardholders.
- VOX Cinema Offers: Najm Platinum Cashback Credit Card allows cardholders to avail 50 percent off on movie tickets every Sunday. Additionally, on buying three medium popcorn buckets, this Najm credit card enables cardholders to enjoy a maximum of two complimentary popcorns per session.
- Dining Benefits: Najm Platinum Cashback Credit Card offers attractive dining benefits for the cardholders such as:
- 20 per cent discount on dining and stay at Jumeirah Group Hotels
- 20 per cent discount at more than 90 Time Out dining dealers
- 20 per cent discount at 30 plus Meraas Food and Beverages outlets on The Outlet Village, Last Exit, The Beach, City Walk and Box Park
- Travel Benefits: Najm Platinum Cashback Credit Card offers various exclusive travel deals and discounts, including:
- 10 per cent discount at 985,000 hotels on Agoda.com
- DragonPass airport dining offers at over 200 airport restaurants
- 9 per cent discount on Expedia Hotels when booking hotels using this credit card
- 15 per cent discount on YQ airport services such as limos, visa on arrival, the like, meet & greet, etc.
- 20 per cent discount on Avis car rental - 10 per cent on local and 10 per cent on international rentals
- Attractive privileges on the Visa luxury hotel collection, including exclusive room rates and VIP guest status
- Shopping Benefits: Najm Platinum Cashback Credit Card offers excellent shopping benefits for the cardholders, such as-
- Purchase protection coverage of USD 20,000 per year or5000 USD per occurrence on all the purchases made using this credit card
- Global merchant discount of 10 per cent on chic outlets at 9 luxury brand outlets
- Extended warranty cover of 5000 USD per year or 2500 USD per occurrence over manufacturer’s warranty
- Lifestyle Benefits: Najm Platinum Cashback Credit Card offers attractive lifestyle benefits, such as-
- 20 percent discount at Roxy Cinemas from Sunday to Thursday
- 20 percent discount at Meraas Leisure and Entertainment venues across City Walk, Box Park, last Exit, the Beach and the Outlet Village
- Online Services: The cardholders can access their Najm Platinum Cashback Credit Card details anytime by logging in to Najm online banking portal. And not just that! By using online banking, cardholders can convert their transactions into monthly installments.
- Virtual, Prepaid and Gift Cards: The Najm Platinum Cashback Credit Card users can choose from a wide range of gift cards to gift their loved ones based on their preferences. They can also log in to their online banking portal and check the benefits of these customized virtual, prepaid, and gift cards in just a few clicks.
- Convenient Services: Najm Platinum Cashback Credit Card also offers convenient services like Loan on Phone, Easy Payment Plans (EPP), balance transfer and cash advance.
- Supplementary Cards: Najm Platinum Cashback Credit Card allows cardholders to apply for a maximum of five supplementary/add-on credit cards for the eligible family members.
- Automated Payments: With Najm Platinum Cashback Credit Card, the cardholders can automate their monthly bill payments to be directly debited from their bank account, ensuring their bills are paid on time.
- Insurance: Najm Platinum Cashback Credit Card offers excellent protection services like comprehensive lifestyle protection, the Global Emergency Assistance service, a Takaful protection plan (personal accident cover), MyGuard (a comprehensive protection service), and many others.
Eligibility Criteria to Apply for Najm Free for Life Credit Cards
Here are the eligibility criteria to apply for Najm Credit Cards.
- The age of the applicant must fall between 21 and 60 years. For UAE nationals, the age can be a maximum of 65 years.
- The applicants must meet the minimum salary requirement based on the type of Najm credit card they choose.
- UAE nationals and expats are eligible to apply for Najm Credit Card.
- The applicant must have a good credit score.
Documents Required to Apply for Najm Free for Life Credit Cards
Here are the documents required to apply for Najm Credit Cards.
- Passport with Residency Visa– Original and a Copy
- Emirates ID – Original and a Copy
- One of these documents as an address proof – Emirates ID, Contract of Tenancy, Utility Bill
- Bank statement with the salary credit transaction (of last three months) – Original and a Copy
- Trade License for self-employed employees – Original and a Copy
- Salary Transfer Letter/Appointment Letter for salaried employees – Original and a Copy
How to Apply for a Najm Free for Life Credit Card?
Here are the simple ways to apply for a Najm Credit Card.
- Visit a Branch: The applicants can visit the nearest Najm Bank’s branch with all the required documents and apply for their preferred Najm Credit Card.
- Online Banking: The applicants can visit the Najm Bank’s website and find a suitable Najm credit card in the credit cards section. They need to fill up the application form and submit it with all the required documents for the application to be processed.
- Phone Banking: The applicants can also apply for a Najm Credit Card by calling the helpline number 600 575 6256 if they are within the UAE or +971 4 293 5811 if they are outside UAE.
Other Banks That Offer the Free for Life Credit Card in UAE