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Najm Voyager Platinum Credit Card

Najm introduced the Voyager line of Najm cards in order to address the travel need of its customer base. The Voyager Platinum Najm credit card allows cardholders to accumulate Voyage Rewards, which can be redeemed for travel expenses including but not limited to flight tickets and hotel reservations.

As a subsidiary of the Majid Al Futtaim Group, not only does Najm enjoy the backing of a multi-billion dollar organization, but it also passes these benefits on to members of its Voyager Platinum Najm credit card.

Features of the Najm Voyager Platinum Credit Card

The Voyager Platinum Najm card offers an impressive variety of top of the line features such as:

Easy Payment Plans (EPP)

The Najm EPP allows owners of the Voyager Platinum Najm card to convert purchases of AED 500 or more into small monthly instalments. Najm credit card members can repay the instalments in tenors ranging between 3 and 12 months. What makes this such a lucrative feature is that the Najm EPP charges no interest. Cardholders may avail of the EPP feature at partnered merchants only.

Balance Transfer

A Najm balance transfer lets members of the Voyage Platinum Najm credit card transfer their outstanding balance from other cards onto the Najm card. By doing so, cardholders can easily pay off their due at 0% interest. Cardholders may transfer up to 80% of the available Voyager Platinum Najm credit card limit, with a required minimum transfer of AED 2,000 at least.

Loan on Phone

Unexpected expenses can be expertly managed with the Najm Loan on Phone feature. Through this feature, cardholders can request for up to 70% of their available Voyager Signature Najm card’s credit limit to be transferred directly into their account. Cardholders can repay this borrowed amount as monthly instalments at low interest and tenors of 3 months to 36 months.

Cash Advance

Owners of the Voyager Platinum Najm credit card can quickly withdraw cash at any Visa-accepting ATM in the world. Cardholders can withdraw 25% of their available Voyager Platinum Najm card limit as and when required.

Supplementary Cards

As a Voyager Platinum Najm card member, customers can receive up to 5 supplementary Najm credit cards for free. The supplementary Najm cards are issued for family members of the cardholder and all of them share a common credit limit with the primary Voyager Platinum Najm card.

Benefits of the Najm Voyager Platinum Credit Card

Members of the Voyager Platinum Najm credit card are privy to a wonderful variety of Najm card benefits such as:

Voyager Rewards

Owners of the Voyager Platinum Najm card are enrolled in the Voyager Rewards program. Under this loyalty program, the cardholder earns Voyager Rewards, which can be redeemed for airline tickets, hotel bookings, car rentals and local event tickets.

Travel Benefits

As a travel-friendly card, the Voyager Platinum Najm card offers cardholders the following benefits:

  1. 9% discounts on hotel booking in 175,000+ hotels all over the world.
  2. 50% discounts on select dining, leisure and entertainment activities.

Dining Discounts

With regularly updated offers across hundreds of leading airport dining establishments all over the globe, the Dine & Fly mobile app allows owners of the Voyager Platinum Najm credit card to find the very best deals no matter where they are. The app is available on all Android and iOS devices.

VOX Cinemas Deal

The VOX Najm card offer allows cardholders to access two complimentary buy 1 Get 1 Free deals every month. The deal entitles cardholders to 2 free compli9mentary movie tickets and medium popcorns every month. Furthermore, the Voyager Platinum Najm card benefits also include a Visa offer, which allows the cardholder to purchase tickets at VOX Cinemas every Sunday at half price.

Lifestyle Protection (LSP)

Voyager Platinum Najm card payments are protected against unforeseen circumstances, indemnifying the cardholder from liability against the following:

  • Death: Under this cover, the Najm card payments are covered for up to AED 100,000.
  • Permanent Total Disabilities: Under this cover, the Najm credit card payments are covered for up to AED 100,000
  • Critical Illnesses: Under this cover, the Najm card payments are covered for up to AED 100,000.
  • Involuntary Loss of Employment: Under this cover, the Najm credit card payments are covered for AED 4,000 per month, up to 12 months.
  • Hospitalization: Under this cover, the Najm card payments are covered for AED 200 per day up to 60 days at most.

Eligibility Criteria for the Najm Voyager Platinum Credit Card

The Voyager Platinum Najm card eligibility criteria are as follows:

  • Age: The Voyager Platinum Najm credit cards are issued to applicants who are 21 years or above in age. Supplementary Najm card applicants, on the other hand, can be as young as 18 years of age.
  • Income: Applicants are required to submit their employment and income details to qualify for the Voyager Platinum Najm card. The minimum monthly income requirement for this Najm credit card is AED 8,000.
  • Credit Score: A check of the applicant’s credit score is also carried out to determine their eligibility for the Voyager Platinum Najm card. On time repayments and available lines of credit can greatly improve an applicant’s credit score.
  • Residence Status: Only UAE residents are eligible for the Voyager Platinum Najm credit card. The applicant will be asked to present their Emirates ID, passport and visa to confirm the same.

Top Reasons to Get the Najm Voyager Platinum Credit Card

Some of the many reasons to get a Voyager Platinum Najm card are as follows:

Voyager Rewards

The Voyager Rewards program is a loyalty program in which all Voyager Platinum Najm credit card members are enrolled. As a member of the Voyager Rewards program, cardholders are able to save on any purchase made with their Najm card, by earning Voyager Rewards points. These points can be redeemed for incredible travel benefits such as car rentals, hotel bookings and even free flight tickets.

Low Annual Membership Fee

With an annual membership fee of AED 208.95, the Voyager Platinum Najm credit card is one of the most reasonably priced travel cards in the UAE market today. Cardholders may avail of world-class Najm card benefits for a nominal fee, allowing them to save like never before.

Variable Interest

The monthly retail interest on the Voyager Platinum Najm card changes according to the status of the monthly Najm credit card payments. By clearing away at least 80% of the monthly outstanding Najm credit card balance, cardholders can continue to see a low 3.25% interest rate.

Online Banking

Najm follows the branchless banking conventions, allowing owners of the Voyager Platinum Najm credit card to perform all their banking operations online. This highly convenient Najm card online banking feature allows cardholders to stay connected to their account from anywhere in the globe.

  1. The Najm card login can be securely accessed through the Najm site.
  2. Alternatively, Najm card online banking can also be accessed through the Najm mobile app, on Android and iOS devices alike.

Customer First

Voyager Platinum Najm card customer care is available around the clock to clarify queries, provide support and initiate appropriate action for lost, stolen or cancelled Najm cards. The Najm credit card customer care staff is highly trained and can be accessed at any time through the mentioned Najm card contact number or at 600-57-6256.

Najm Voyager Platinum Credit Card Offers

As the Voyager Platinum Najm card offers are regularly updated, cardholders are advised to check back from time to time for updates and new offers:

Annual Fee Waiver

Najm is offering a complete waiver of the Voyager Platinum Najm credit card annual membership fee by meeting a minimum spending requirement of AED 10,000 within the first 60 days. The Voyager Platinum Najm card’s annual membership fee is AED 208.95.

Samsung S9 Raffle

The Samsung S9 Najm credit card offer gives 15 lucky cardholders the chance to win a brand new S9 Samsung smartphone. To take part in the lucky draw, cardholders are required to download the Samsung Pay app, load their Voyager Platinum Najm card onto it and make at least 3 purchases or payment with the app.

SriLankan Airlines Ticket

This Najm card offer gives 8 Voyager Platinum Najm credit card members a chance to earn complimentary return flight tickets with SriLankan Airlines. Cardholders can avail of the offer by using their Voyager Platinum Najm credit card at the SriLankan Airlines website.

Lifestyle Offers

Voyager Platinum Najm card members may enjoy enormous discounts across dining, shopping, entertainment and many more categories of spending through the Lifestyle Najm card offers. The Voyager Platinum Najm card Lifestyle offers can be found on the Najm site.

Visa Offers

Members of the Voyager Platinum Najm credit card also receive access to a large variety of offers from Visa. These Visa-provided Najm credit card offers can be seen on the Najm website.

Najm Voyager Platinum Credit Card Fees & Charges

Some of the important fees & charges applicable on the Voyager Platinum Najm credit card are:

  • Annual Membership Fee: AED 208.95
  • Minimum Monthly Income: AED 8,000
  • Retail Interest (Monthly): 3.25% - 3.79%

* The retail interest on the Voyager Platinum Najm card remains at 3.25% per month if the cardholder continues to make Najm card payments that are 80% of the outstanding Najm credit card balance or more.

  • Cash Advance Interest (Monthly): 3.75%

The full list of Voyager Platinum Najm card fees and charges is available under the ‘Schedule of Fees and Charges’ section of the Najm site.

Najm Voyager Platinum Credit Card Voyager Rewards

Members of the Voyager Platinum Najm card are automatically enrolled in the Voyager Rewards program. As a member of the Voyager Rewards program, the Voyager Platinum Najm credit card owner earns loyalty point in the form of ‘Voyager Rewards’, which can be redeemed for incredible travel benefits.

How to Earn Voyager Rewards

Voyager Platinum Najm card holders are enrolled into the Voyager Rewards loyalty program, through which they accumulate Voyager Rewards in the following ways:

  • On spending AED 1 at najmvoyager.com, cardholders earn 2.5 Voyager Rewards.
  • On spending AED 1 on international purchases, cardholders earn 2.5 Voyager Rewards.
  • On spending AED 1 on local purchases, cardholders earn 2.5 Voyager Rewards.

How to Redeem Voyager Rewards

Owners of the Voyager Platinum Najm credit card can redeem their accumulated Voyager Rewards either partially or all at once by visiting the Najm Voyager Travel Portal.

These Voyager Rewards can be redeemed for flight tickets across 500+ airlines, hotel stay bookings, car rentals, tickets to local events and more.

How to Apply for the Najm Voyager Platinum Credit Card

New customers may apply for the Voyager Platinum Najm card through the online application form, available on the Najm website.

Kindly note that the minimum monthly salary needed to apply for the Voyager Platinum Najm credit card is AED 8,000.

Additional Information & Documentation

The following set of documents will be required to complete the online Voyager Platinum Najm card application:

  1. ID Proof: Emirates ID.
  2. Residency Proof: Copy of passport & visa.
  3. Employment Proof: Original company-issued salary slip/salary
  4. Income Proof: Original bank statement of the applicant’s personal account (latest month only).
  5. Salary Account: Mini statement of the applicant’s salary bank account.
  6. Second ID Proof: A labour card, UAE E-Gate pass, or company-issued ID.
  7. Security deposit cheque.

The required documents for self-employed Voyager Platinum Najm credit card applicants are slightly different:

  • ID Proof: Emirates ID.
  • Residency Proof: Copy of passport & visa.
  • Proof of Legitimacy: UAE Trade license
  • Business Ownership Proof: Memorandum of Association, Power of Attorney or Percentage Share in Partnership
  • Business Address Proof: The organization’s tenancy contract.
  • Income Proof: 3 months of the organization’s latest bank statements; or 3 months of the applicant’s latest personal bank statements; or a copy of the bank statement, attested by the bank itself.
  • Second ID Proof: A labour card, UAE E-Gate pass, or company-issued ID.
  • Security deposit cheque.

Najm Voyager Platinum Credit Card FAQs

Q.1. How many supplementary Najm Voyager Platinum Credit Cards can I get?

Owners of the Voyager Platinum Najm credit card can have up to 5 supplementary Najm cards issued to them at no charge. All of the Najm credit cards - primary and supplementary, will share the same credit limit. Supplementary Voyager Platinum Najm cards can also be fixed with spending limits.

Q.2. Is there any way for me to calculate how many Voyager Rewards I can earn with the card?

Customers, new and existing alike can refer to the Voyager Rewards calculator on the Najm website in order to accurately estimate how many Voyager Rewards they would earn in a month with the Voyager Platinum Najm credit card.

Q.3. How can I make Najm Voyager Platinum Credit Card payments?

The Voyager Platinum Najm card payments may be made in any of the following ways:

  • At Najm
    • Najm credit card payments can be made via the Najm card online banking portal.
    • Voyager Platinum Najm card payments can also be made through the Najm card mobile banking, available as an Android app and an iOS app.
    • The Najm credit card payment can also be mailed directly to Najm at PO Box 35995, Dubai, UAE in the form of a cheque. The cheque should be made out to ‘Majid Al Futtaim Finance LLC’.
  • At 3rd Party Online Portals
    • Emirates NBD: BankNet
    • Mashreq Bank: Mashreq Easy Pay
    • HSBC: HSBC Online
    • Citibank: Citibank Online
  • At Exchange Houses
    • UAE Exchange
    • Al Ansari Exchange
    • Redha Al Ansari Exchange
    • Al Ghurair Exchange
    • Al Fardan Exchange
  • At select convenience stores
    • EPPCO
    • ENOC

Addresses for all of these Voyager Platinum Najm credit card payment outlets can be found on the Najm website.

Q.4. Who do I contact if my Najm Voyager Platinum Credit Card is lost or stolen?

Cardholders should immediately contact local police authorities and the Najm credit card customer care staff if their Voyager Platinum Najm card has been misplaced. Najm will then block the card and issue a replacement Voyager Platinum Najm credit card at its own discretion.

The Najm card replacement fee is AED 78.75. The customer card Najm card contact number is 600-57-6256.

Q.5. How do I cancel my Najm Voyager Platinum Credit Card?

The Voyager Platinum Najm card can be cancelled by requesting Najm in writing. Cardholders are required to cut all of their Voyager Platinum Najm credit cards (primary and supplementary) in two and return them to Najm along with the written request.

The Voyager Platinum Najm card will be cancelled after all outstanding balance and charges on the account have been cleared in full. Once the cancellation request has been processed, Najm will hold on to the security deposit amount for at least 60 days to allow any remaining charges to be processed.

Cardholders may also request for a Liability Letter from Najm, which clears them from any liability towards the Voyager Platinum Najm credit card. The liability letter can be obtained for AED 52.50.

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