Najm Voyager Signature Credit Card

Najm Voyager Signature Credit Card

About the Najm Voyager Signature Credit Card

The Voyager line of Najm credit cards is designed specifically for travel, both locally and internationally. From hotel room discounts to complimentary flight tickets and more, the Voyager Rewards program allows owners of the Voyager Signature Najm card to travel like never before.

Najm is a subsidiary of the impressive MAF Group (Majid Al Futtaim Group) and has managed to capture the UAE market with its combination of innovative banking practices and top of the line Najm credit cards. The MAF group made more than $750 million in profits in 2016 and continues to grow bigger still.

Features of the Najm Voyager Signature Credit Card

A Voyager Signature Najm credit card offers the cardholder access to the world-class Najm card features, such as:

Easy Payment Plan

Large purchases can be daunting. However, with the Voyager Signature Najm credit card, cardholders can tackle large expenditures responsibly with the Najm Easy Payment Plan (EPP). The Najm card EPP allows the cardholders to convert large expenses into monthly instalments at 0% interest. The EPP instalments can be paid off in tenures of 3 months – 12 months and require a minimum spend of AED 500 to be availed of. The Voyager Signature Najm card offers EPP for select vendors only.

Balance Transfers

Cardholders may transfer up to 80% of their available Voyager Infinite Najm card credit limit from other cards to pay off as equal monthly instalments at 0% interest. Balance transfers are applicable for amounts of AED 2,000 or more and can be used to effectively clear debt without any extra charge.

Supplementary Cards

Owners of the Voyager Signature Najm credit card may request for up to 5 supplementary Najm cards for their family members, with no issuance fee. The supplementary Voyager Signature Najm card offers family members of the primary cardholder access to a shared credit limit, various Najm card benefits and more.

Emergency Funds

Members of the Voyager Signature Najm credit card can request for as much as 70% of their available Najm card credit limit to be credited directly into their bank account. This Najm credit card feature is known as ‘Loan on Phone’ and can be availed for minimum amounts of AED 1,000, which can be repaid at nominal interest rates over tenors of 3 months – 36 months.

Cash Advance

Another way for cardholders to access emergency funds through their Voyager Signature Najm card is through the cash advance feature. Cash advances refer to ATM withdrawals made through the Najm credit card. Cardholders can withdraw a maximum of 25% of their available Voyager Signature Najm card credit limit.

Benefits of the Najm Voyager Signature Credit Card

The Voyager Signature Najm card offers some of the most diverse and rewarding benefits in the UAE. The Najm card benefits are:

Voyager Rewards

Owners of the Voyager Signature Najm credit card are given membership into the Najm Voyager Rewards program. Cardholders earn Voyager points through the program, which can be redeemed for flight tickets, hotel stays and passes to exciting local attractions. Details of the Voyager Rewards program are provided in later sections.

Voyager Portal Benefits

Voyager Signature Najm card members can avail of the following discounts through the Voyager Portal:

  1. Up to 50% discounts on travel expenses, dining and more.
  2. Up to 9% discount on hotel stays.

Dining Discounts

Cardholders can avail of big discounts across airports dining establishments across the world through the Dine & Fly mobile app. Offered exclusively to Najm credit card owners, the mobile app can be downloaded for Android and iOS alike.

Movie Discounts

Members of the Voyager Signature Najm card can also enjoy complimentary movie tickets and popcorn at VOX cinemas, thanks to a Buy 1 Get 1 Free offer. Cardholders may avail of the Najm card offer up to twice in a month, for tickets and medium popcorn alike.

The Visa Advantage

As suggested by the name, this Voyager Signature Najm credit card is a Visa Signature partnered card. As a Visa Signature card, the Najm card enjoys the following benefits:

  • Airport Lounge Access: Cardholders receive 12 complimentary visits per year to 850+ lounges in airports all over the globe. The partnered airport lounge locations can be found on the Loungekey
  • Concierge: The Voyager Signature Najm credit card offers cardholders access to an around the clock concierge service. The concierge aids cardholders in making flight reservations, hotel bookings and organizing tickets to various attractions and events.
  • Golfing: Members of the Voyager Signature Najm credit card are also offered a 30% discount on the pristine 9-hole Jebel Ali Golf Resort. Cardholders can avail of the discount midweek after 1 pm.
  • Travel Insurance: Visa offers owners of the Voyager Signature Najm card a complimentary multi-trip travel insurance policy, to protect them for local and international trips alike. The insurance plan includes personal accident coverage of up to US$ 500,000, emergency medical expense coverage of up to US$ 150,000 and much more. The full range of services can be perused through on the Najm website.
  • Purchase Protection: Purchases made with the Voyager Signature Najm credit card are protected against theft, loss and damage for up to a year from the date of purchase via the Visa Purchase Protection service. Cardholders may avail of the service to replace or repair damaged and lost items for up to US$ 6,000 per transaction and up to US$ 20,000 per year.
  • Extended Warranty: Items purchased with the Voyager Signature Najm card care are protected with an extended warranty, for a maximum time period of 2 years. Cardholders are covered for up to US$ 3,500 per transaction and up to US$ 20,000 per year.

Eligibility Criteria of Najm Voyager Signature Credit Card

Voyager Signature Najm credit cards can be successfully applied for by meeting the following eligibility criteria:

  • Age: While supplementary Voyager Signature Najm card applicants can be as young as 18 years of age, the primary applicant must be at least 21 years.
  • Minimum Salary: Applicants will be asked to submit their employer and salary details to Najm in order to qualify for the Voyager Signature Najm credit card. The minimum monthly income requirement for the Voyager Signature Najm card is AED 12,000.
  • Credit History: Najm may share certain personal details of the applicant with a credit bureau, in order t asses their past payment history. Credit history plays an important role in the Voyager Signature Najm credit card application process.
  • Residence: As the Voyager Signature Najm card is offered only to UAE residents, applicants will also be required to submit valid ID and address proofs for the same.

Top Reasons to get the Najm Voyager Signature Credit Card

There are numerous reasons why a person may choose the Voyager Signature Najm credit card in addition to the previously mentioned Najm card benefits. Some of these reasons are:

Peace of Mind

The Voyager Signature Najm card offers cardholders comprehensive protections in the following manner:

  • Travel Insurance: As a Visa Signature card, the Voyager Signature Najm card owner is offered complimentary multi-travel insurance.
  • International Support: No matter where the Voyager Signature Najm credit card member is in the world, they can rely on the Najm Global Emergency Assistance service to report lost cards, replace Najm cards and access emergency funds.
  • Lifestyle Protection (LSP): Cardholders can further protect their Najm card payments against unforeseen circumstances through the low-cost LSP service. Najm Lifestyle Protection offers coverage for:
    • Death: Wherein the cardholder’s outstanding Najm card balance is covered up to AED 100,000.
    • Permanent Total Disabilities: Wherein the cardholder’s outstanding Najm credit card balance is covered up to AED 100,000.
    • Critical Illnesses: Wherein the cardholder’s outstanding Najm card balance is covered up to AED 100,000.
    • Involuntary Loss of Employment: Wherein the cardholder’s outstanding Najm credit card balance is covered up to AED 4,000 per month for at most 12 months.
    • Hospitalization: Wherein the cardholder’s outstanding Najm card balance is covered up to AED 200 per day for up to 60 days.

Branchless Banking

Banking at Najm is done entirely through the Najm card online This ingenious new form of banking allows Najm to reliably serve Voyager Signature Najm credit card owners anywhere in the world.

  • Online Banking: Cardholders can access online banking by using the Najm card login.
  • Mobile Banking: Najm card online banking can also be accessed through mobile apps for Android and iOS both.

Customer Service

The always-available Najm card customer care staff is an excellent resource for existing cardholders and new applicants alike. The Najm card customer care is always ready to help and can be contacted at 600-57-6256. This Najm card contact number can also be used to perform phone banking operations.

Earning Low Interest

Owners of the Voyager Signature Najm card can benefit from low retail interest rates by simply maintaining their monthly Najm credit card payments at 80% or more of the outstanding balance.

Travel Advantage

An incredible line of Najm card benefits for travel has helped brand the Voyager Signature Najm credit card as one of the top travel cards in the UAE. From discounted flight bookings to travel insurance and more, the Voyager Signature Najm card is a frequent traveller’s best friend.

Najm Voyager Signature Credit Card Offers

As one of the most exclusive Najm cards, the Voyager Signature Najm credit card offers incredible deals such as:

Welcome Rewards

New Voyager Signature Najm card owners can unlock the following welcome rewards by meeting a spending requirement of AED 15,000 within the first two months:

  1. Voyager Rewards worth AED 750 = 75,000 Voyager Rewards.
  2. A bonus of 15,000 Voyager Rewards.

Additionally, Voyager Signature Najm credit card member will also receive 30,000 Voyager Rewards on paying their annual membership fee.

Samsung S9 Giveaway

Up to 15 Najm card members have a chance of winning a Samsung S9 smartphone by making using of the Samsung Pay app. The Samsung Pay app allows Najm card owners to pay directly through their smartphone. The offer can be availed by carrying out three transactions through the app and is valid till 20th May 2019.

SriLankan Airlines Flights

Voyager Signature Najm credit card owners can earn a complimentary return flight with SriLankan Airlines by booking tickets at Srilankan.com. The offer is valid till the end of March 2019, and for all flights booked from Apr 2019 to Dec 2019.

Najm Lifestyle Offers

Cardholders should also regularly check on the Najm Lifestyle offers for deals on dining, shopping and health & wellness offers. These Najm card offers may be viewed on the Najm website.

Najm Voyager Signature Credit Card Fees & Charges

Some of the most crucial Voyager Signature Najm credit card fees and charges are as follows:

  • Annual Membership Fee: AED 523.95
  • Minimum Monthly Income: AED 12,000
  • Retail Interest (Monthly): 3.25% - 3.79% *

* Cardholders can maintain a 3.25% interest rate on their Voyager Signature Najm card by making monthly Najm card payments of 80% or more of the outstanding balance.

  • Cash Advance Interest (Monthly):  3.75%

Other fees and charges applicable on this Najm card can be found on the Najm website.

Najm Voyager Signature Credit Card Rewards

Members of the Voyager Signature Najm credit card are given membership into the Voyager Rewards program. The Voyager Rewards program allows cardholders to earn loyalty points, aka ‘Voyager Rewards’.

Voyager Rewards can be redeemed for a host of incentives and discounts. Membership into the Voyager Rewards program is complimentary for Voyager Najm card owners.

How to Earn Voyager Rewards

Owners of the Voyager Signature Najm credit card can earn Voyager Rewards in these ways:

  • Cardholders will earn 3 Voyager Rewards on spending AED 1 at najmvoyager.com.
  • Cardholders will earn 3 Voyager Rewards on spending AED 1 internationally.
  • Cardholders will earn 2 Voyager Rewards on spending AED 1 locally.

How to Redeem Voyager Rewards

Voyager Signature Najm card holders can redeem their Voyager Rewards for flight tickets, hotel bookings, car rental services and tickets to local events and attractions. The Voyager Rewards can be redeemed partially or in full.

Cardholders can redeem their accumulated Voyager Rewards at the Najm Voyager Travel Portal.

How to Apply for the Najm Voyager Signature Credit Card

Najm is a branchless banking organization and as such, the Voyager Signature Najm credit card can only be applied for via the online application form, available on the Najm website.

Queries on the application process and form submission can be clarified through the customer care Najm card contact number at 600-57-6256.

Additional Information & Documentation

The documents required to apply for a Voyager Signature Najm card are:

  1. An Emirates ID.
  2. A passport copy with the visa page clearly displayed.
  3. An original salary slip or salary certificate issued by the applicant’s organization.
  4. The latest month’s bank statement of the applicant’s personal account.
  5. A mini statement of the applicant’s salary account.
  6. A security deposit in the form of an undated cheque.
  7. An additional ID proof (UAE E-Gate pass, labour pass, company ID card, etc).

Voyager Signature Najm credit card applicants who are self-employed will also have to submit:

  • A trade license bearing the applicant’s name.
  • Ownership proof for the organization, which can be shown through:
    • A Power of Attorney; or
    • A Memorandum of Association; or
    • A partnership’s percentage share.
    • A business tenancy deed in the organization’s name.
  • Instead of submitting personal and mini account statements, the self-employed Najm card applicant will have to submit any of the following:
    • Latest 3 months of bank statements for the organization; or
    • Latest 3 months of bank statements for the applicant’s personal account; or
    • A bank-attested copy of the company’s bank statement.

Najm Voyager Signature Credit Card FAQs

Q.1. How many supplementary Najm Voyager Signature cards can I get and what are their charges?

The Voyager Signature Najm credit card offers cardholders up to 5 supplementary cards free of charge. These supplementary Najm cards can be used to access a shared credit limit and can also be set with limits on spending to monitor spending.

Supplementary Voyager Signature Najm cards are issued to family members of the primary cardholder.

Q.2. Is it possible for me to calculate my monthly Voyager Rewards?

Najm offers new applicants and existing holders of the Voyager Signature Najm credit card access to a Voyager Rewards calculator, which can be used to accurately assess how many monthly Voyager Rewards the customer will earn.

The Voyager Rewards calculator is available on the Najm Voyager Signature credit card page itself.

Q.3. Where can I make my Najm Voyager Signature Credit Card payments?

The Voyager Signature Najm credit card payments can be made through:

Najm Card Online Banking: The online banking Najm card login can be accessed through the Najm website or through the Najm Android and iOS mobile apps.

  • Online banking portals for other credit card issuers such as Emirates NBD (BankNET), Mashreq Bank (Mashreq Easy Pay), HSBC Bank (HSBC Online) and Citibank (Citibank Online)
  • Exchanges houses such as UAE Exchange, Al Fardan Exchange, Al Ghurair Exchange, Al Ansari Exchange and Redha Al Ansari Exchange.
  • ENOC and EPPCO convenience stores.
  • Postal delivery in the form of a cheque, made out to ‘Majid AL Futtaim Finance LLC’ at PO Box 35995, Dubai, UAE.

Locations for all the Najm card payment outlets can be found on the Najm site.

Q.4. What process am I supposed to follow if my Najm Voyager Signature Credit Card is misplaced?

If a Voyager Signature Najm credit card is lost or stolen, the cardholder should immediately contact Najm card customer care and inform them of the loss. Following which, the cardholder should also alert police authorities in the region. The customer care Najm card contact number is 600-57-6256.

Najm issues replacement Voyager Signature Najm cards for a fee of AED 78.75.

In the event that a misplaced Najm card is recovered by a cardholder, they are supposed to cut it in half and return both halves to Najm without making use of the card.

Q.5. Who do I contact in order to cancel my Najm Voyager Signature Credit Card?

In order the cancel the Voyager Signature Najm card, the cardholder is required to submit written confirmation to Najm along with any primary and supplementary Najm credit cards in their possession. Note that cancellation of the Voyager Signature Najm card will only be processed after all outstanding dues and charges on the card have been cleared in full.

Once the request has been processed, Najm will retain the cardholder’s security deposit for an additional 60 days. Owners of the Voyager Signature Najm credit card should also request for a Liability Letter from Najm, which clears them of liability against the card. It can be obtained for AED 52.50.