More Details on Credit Card

Great For

1. Balance transfer facility
2. Cashback rewards up to 6%
3. VOX Cinema offers

Be Aware

1. Foreign exchange fees applicable

Main Benefits

1. When you apply for the credit card, get 10% cashback for spends at Carrefour and 5% cashback for spends done anywhere else, in the first 60 days of card approval. Maximum value of cashback you can earn is AED 500
2. After that get up to 4% cashback on Carrefour purchases and 2% cashback on all other purchases
3. Use your credit card at dedicated cash counters at Carrefour Hypermarkets
4. Buy one-get-one free movie tickets at UAE VOX Cinemas is applicable
5. Utility bill payment facility
6. With the Loan on Phone facility, get the option to transfer up to 70% of your card limit to your bank account
7. 0% Easy Payment Plans for 3, 6, 9, or 12 months.

Overview of features

1. You require a minimum salary of AED 7,000 per month to be eligible for this card.
2. Up to 55 days of interest free period and minimum payment of 5% or 100 AED which ever is higher. The rate varies between 3.25% to 3.79%.
3. The foreign currency rate applicable on overseas transactions is 3%.
4. The annual fee applicable on this card is AED 420
5. When you apply for the credit card, get 10% cashback for spends at Carrefour and 5% cashback for spends done anywhere else, in the first 60 days of card approval. Maximum value of cashback you can earn is AED 500. After that for every AED 1 spent in Carrefour earn 4% cashback and for every AED 1 spent everywhere else earn 2% cashback.
6. No miles rewards program on this card
7. For every AED 1 spent in Carrefour earn 3% cashback and for every AED 1 spent everywhere else earn 1.5% cashback. Double your Cashback by using your Najm card at Carrefour every Tuesday. Maximum redemption a month is AED 500 in Carrefour voucher.
8. Transfer your balances to Najm Platinum Plus Cashback Credit Card and get preferential rates for 6, 9 or 12 months

* This product is subject to eligibility conditions and may not be available for all applicants. Eligibility conditions are set by the service provider and may be subject to change.