More Details on Credit Card

Great For

1. Cashback rewards up to AED 500
2. Balance transfer facility
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 8,000 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 313.95
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. Transfer your balances to Najm Platinum Plus Cashback Credit Card and get preferential rates for 6, 9 or 12 months
8. The more frequently you use Najm ONE, the more your cash back increases, giving you up to AED 500 cash back, directly credited to your card every month

* 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.