Najm One Cash Back Credit Card Features & Benefits
By PolicyBazaar
| Published: 22 October 2019 | Last Updated On: 12 January 2021
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Najm is a subsidiary of the Majid AI Futtaim Ventures and the bank offers a top of the line credit cards to its customers.
TheNajm One Cash Back Credit Card is one of the best credit cards provided by this bank as it enables its card members to save on every purchase type. In fact, it is the UAE’s one and only credit card that raises your cash back with the rise in the number of transactions. Also, those monthly cash back savings will directly credit to your statement. Apart from offering cash back on your transactions, this credit card offers an extensive range of features and benefits that are unmatched by any other credit card available in the UAE.
Key Highlights of the Najm One Cash Back Credit Card
Balance transfer facility
Cash can be withdrawn from ATMs worldwide with Cirrus Logo.
A maximum of 5 complimentary supplementary Najm One Cash Back Credit Cards.
Low annual membership fee of 313.95 dirhams
Prepaid & Gift cards.
Interactive SMS services
Easy & convenient payment facility.
Main Najm One Cash Back Credit Card Features
Following are some of the leading features of this Najm card:
Easy Payment Plan (EPP)
The Najm One Cash Back Credit Card EPP feature allows you to convert your hefty purchases into equated monthly installments at participated merchants at zero percent interest.
Loan on Phone
As a member of this credit card, you can easily request for up to 70 percent of your available credit limit to be transferred directly into your bank account. You can avail of this instant loan to take care of your expenditures and it can be repaid at a very low interest rate.
Direct Debit
The bank provides you the facility of automating your Najm One Cash Back Credit Card’s monthly payment directly debited from your bank account ensuring your payments are paid till the due date of payment.
Top Najm One Cash Back Credit Card Benefits
Najm One Cash Back Credit Card offers a host of benefits ranging from entertainment and dining to leisure, and more. Given below are the key benefits of this card:
Cash back
TheNajm One Cash Back Credit Card allows you to save across all types of purchase categories. The criteria of cash back are as follows:
For 1 to 10 transactions: You can earn 1 percent cash back on purchases.
For 11 to 25 transactions: You can earn 2 percent cash back on purchases.
For 26 to 40 transactions: You can earn 4 percent cash back on purchases.
For 41 to 50 transactions: You can earn 6 percent cash back on purchases.
For 51 to 60 transactions: You can earn 8 percent cash back on purchases.
For more than 61 transactions: You can earn 10 percent cash back on purchases.
VOX Cinema Offer
As a member of this card, you can enjoy buy one, get one movie ticket & popcorn across VOX Cinemas throughout the UAE.
Lifestyle Privileges
With thisNajm Credit Card, you can avail of a 30 percent discount on travel, shopping, dining, and entertainment from more than 450 partners.
Insurance Benefits
You can enjoy insurance benefits ranging from Global Emergency Assistance service, free lifestyle protection, to Takaful protection plan (personal accident cover) and MyGuard (a comprehensive protection service).
Final Verdict
Packed with a top of the line features and benefits, thisNajm One Cash Back Credit Card is indeed one of the best credit cards that you can opt for. By adding this card to your wallet, you can save on all purchase categories since it offers up to 10 percent cash back on your spending.
