Najm Platinum Cashback Credit Card Features & Benefits

By PolicyBazaar
  | Published: 22 October 2019 | Last Updated On: 12 January 2021
Average Rating / 5 (ratings ) | 530 Views

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The Najm Platinum Cashback Credit Card is one of the innovate credit cards that help you to make the most of your everyday spend. With this Najm credit card, you can increase your savings at Carrefour by simple spending anywhere ranging from groceries shopping to daily expenses. Partnered with Visa, this credit card also offers a top of the line lifestyle, shopping, and dining privileges that are unmatched by any other credit card available in the UAE.   

Key Highlights of the Najm Platinum Cashback Credit Card 

  • Zero annual membership fee
  • Monthly cash back savings a maximum of 200 dirhams
  • Zero percent Easy Payment Planfor a maximum of 12 months at Carrefour.
  • Balance transfer and direct debit facility
  • A maximum of 2 complimentary popcorns every month at VOX Cinemas.
  • Prepaid & Gift cards.
  • Instant loan facility for a maximum of 70 percent of your available credit limit.
  • Easy & convenient payment facility.
  • Cash can be withdrawn from ATMs globally displaying Cirrus Logo.

Main Najm Platinum Cashback Credit Card Features

The following are the main features of the Najm Platinum Cashback Credit Card:

Supplementary Cards

You can avail up to 5 supplementary Najm Platinum Cashback Credit Cards for the eligible family members.


You can avail the benefit of its insurance feature which provides you the following services:

  • Global Emergency Assistance service
  • Comprehensive lifestyle protection
  • Takaful protection plan (personal accident cover)
  • Wallet Protection
  • MyGuard (a comprehensive protection service)

Top Najm Platinum Cashback Credit Card Benefits

The Najm Platinum Cashback Credit Card offers an extensive range of benefits and privileges and they are as follows:


  • Visa card Privileges: You can earn 0.5 percent cash back on any purchase using this card. This offer is applicable at any merchant that accepts Visa cards and can avail cash back nearly everywhere all over the world.
  • Carrefour Incentives: You can earn 1.5 percent cash back on Carrefour expenditures that are made with theNajm Platinum Cashback Credit Card. This offer is applicable on any day of the week. While the earning of cash back doubles to 3 percent on making a purchase using this card at Carrefour on Tuesday.

Carrefour Privileges

  • Some Carrefour stores have dedicated Najm checkout counters that the members of this Najm card can use for an early check-out.
  • On making a minimum spend of 250 dirhams with Najm Platinum Cashback Credit Card, you can get complimentary valet trolley at Carrefour.
  • As a member of this card, you can split your hefty Carrefour purchases into equated monthly installments at zero percent interest rate for a maximum of 12 months.

Najm Exclusive Offers

This Najm Credit Card offers a 30 percent discount on travel, dining, shopping, and entertainment from 450+ partners. Also, you can avail of a 9 percent discount for making bookings at Expedia Hotels with this credit card.

Visa Platinum Offers & Privileges

It is a “Visa Platinum” partnered credit card and you can avail the below-mentioned benefits:

Dining Offers

  • 20 percent discount at over 90 Time Out dining vendors.
  • 20 percent discount for stay & dining at ‘Jumeirah Group Hotels’.
  • 20 percent discount at over 30 ‘Meraas Food & beverages outlets’ at selected locations.

Shopping Privileges

  • Purchase protection: All the purchases that you make through this Najm credit card are protected against loss, theft, & damage for a maximum of US dollar 5,000 per transaction.
  • Extended warranty: You can avail an extended warranty on items that are purchased with this card. This is limited to US dollar 5,000 per year.
  • Global Merchants Discounts: ThisNajm Platinum Cashback Credit Card offers 10 percent off on Chic outlets.

Lifestyle Benefits

  • VOX Cinema: Every Sunday, you can enjoy a flat 50 percent off on movie tickets.
  • Roxy Cinemas:20 percent off some specific tickets from Sunday- Thursday. 
  • Meraas Leisure & Entertainment- 20 percent off at some specific locations.
  • Golf Benefits: Attractive offers on green fees throughout 11 golf courses.

Travel Perks

  • 10 percent off on hotel reservations at
  • Room upgrades, preferential room rates, VIP guest status etc across the Visa Luxury Hotel Collection.
  • 20 percent off on Avis Car Rental.
  • DragonPass Airport dining offers on more than 200 airport establishments.
  • 10 percent discount with YQ airport serviceslike visa on arrival, limos, meet and greet, etc.

The Bottom Line

This Cashback Credit Card offered from Najm is indeed the most rewarding credit card that offers tons of exciting benefits and offers to its cardholder. By adding this card to your wallet, you can definitely make the most of your every single spend.