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Najm Platinum Plus Cashback Credit Card Features & Benefits

By PolicyBazaar
Average Rating / 5 (ratings )

The Najm Platinum Plus Cashback Credit Card is a perfect epitome of a reward credit card since this Najm card offers an extensive range of benefits, offers, and privileges to its customers. By adding this card to your wallet, you can start rewarding yourself from all those purchases that you make in your daily routine life. In simple words, simply use this credit card anywhere from grocery shopping to utility bill payments so as to increase your savings at Carrefour.

Key Highlights of the Najm Platinum Plus Cashback Credit Card 

  • A low annual membership fee of 420 dirhams.
  • Monthly cash back savings a maximum of 500 dirhams.
  • VOX Cinemas Buy one Get one free on movie tickets as well as on popcorn.
  • Direct Debit and Balance transfer facility.
  • Gift & Prepaid Cards.
  • A maximum of 5 supplementary cards for the eligible family members.
  • A facility of an instant loan for up to 70 percent of your credit limit.
  • Easy & convenient payment facility.

Main Najm Platinum Plus Cashback Credit Card Features

The following are the some of the best features of this Najm Platinum Plus Cashback Credit Card:


You can take the benefit from its insurance feature which offers you the below specified services:

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

Cash Withdrawal

You can also use this Najm Platinum Plus Cashback Credit Card to withdraw cash from ATMs worldwide displaying Cirrus Logo.

Top Najm Platinum Plus Cashback Credit Card Benefits

Below specified are the vital benefits of the Platinum Plus Cash back Credit Card offered by the Najm Bank:

Cash back Savings

  • Visa Card Perks: As a member of this card, you can earn 1.5 percent cash back on all purchases made through this card. This offer is applicable everywhere where Visa Card is accepted.
  • Introductory Offer: You can earn 10 percent cash back at Carrefour & 5 percent cash back everywhere else for the initial 60 days. In short, you can avail 400 dirhams cash back as a welcome offer.
  • Other Carrefour Incentives: You can earn3 percent cash back on purchases made through this Najm Platinum Plus Cashback Credit Card at Carrefour any day of the week. However, this cash back earning gets double to 6 percent when you purchase through this credit card at Carrefour on Tuesday.

Carrefour Privileges

  • As a member of this card, you can take the benefit of dedicated Najm checkout counters at Carrefour for an early check-out.
  • On making a minimum spend of 250 dirhams with Najm Platinum Plus Cashback Credit Card, you can avail unlimited complimentary valet trolley at Carrefour stores.
  • You can also convert your expensive Carrefour purchases into easy to pay monthly installments at a 0 percent rate of interest for a maximum of 12 months.

Najm Exclusive Offers

This Najm Platinum Plus Cashback Credit Card offers a 30 percent off on entertainment, dining, travel, and shopping from more than 450 partners. Other than that, you can enjoy a 9 percent off on making travel bookings at Expedia Hotels with this Najm card.

Visa Platinum Privileges & Discounts

It is a “Visa Platinum” partnered card and you can enjoy the following benefits:

Dining Offers

  • 20 percent discount at more than 90 ‘Time Out dining vendors’.
  • 20 percent discount for dining as well as stay at ‘Jumeirah Group Hotels’.
  • 20 percent discount at more than 30 ‘Meraas Food & beverages outlets’ at some specific locations.

Shopping Privileges

  • Purchase protection: All the purchases made through this Najm Platinum Plus Cashback Credit Card are covered against loss, damage, and theft for up to US dollar 5,000 per occurrence, US dollar 20,000 per year.
  • Extended warranty: You can also enjoy an extended warranty on those items that are brought through this Najm card. This is limited to US$ 5,000 per year.
  • Chic Outlets Discounts: This Najm Credit Card offers 10 percent off on Chic outlets throughout 9 luxury brand outlets.

Travel Perks

  • DragonPass Airport Dining exclusive offers on over 200 airport eateries & restaurants.
  • 10 percent discount on hotel bookings made through
  • Room upgrades, preferential room rates, VIP guest status, etc across the Visa Luxury Hotel Collection.
  • 20 percent discount on Avis Car Rental.
  • 15 percent off with YQ airport serviceslike limos, visa on arrival, meet and greet, and a lot more.

Lifestyle Benefits

  • VOX Cinemas: Flat 50 percent discount on cinema tickets, every Sunday.
  • Roxy Cinemas:From Sunday-Thursday, you can avail of a 20 percent discount on some selected tickets. 
  • Meraas Leisure & Entertainment- 20 percent discount at few locations.
  • Golf Privileges: Exclusive offers on green fees throughout 11 premium golf courses.

In A Nutshell

The aforementioned features and benefits are enough to analyze why Najm Platinum Plus Cashback Credit Card considered one of the best credit cards in the UAE. So, you can opt for it without giving a second thought since it can meet your various lifestyle requirements with ease.