Majid Al Futtaim Finance (MAF), or Najm, is a subsidiary branch of the Majid al Futtaim Ventures that is headquartered in Dubai. Najm Bank offers lucrative offers to its customers alongside its numerous prepaid and credit cards like easy and flexible payment options, cashback and many more.
A Najm credit card allows cardholders to save on every category of purchase. This Najm card not only offers customers incredible saving potential, but also a variety of Najm card benefits ranging from dining to entertainment, leisure and more.
Najm is an owned subsidiary of the Majid Al Futtaim Group and offers its Najm card to UAE residents on the lookout for a card that helps them save as well as spend.
The following Najm credit card eligibility criteria will have to be met in order to qualify for the Najm credit card:
Najm card applicants are required to be at least 21 years old. However, supplementary Cash Back One Najm credit card applicants can be young as 18 years.
The Najm credit card minimum salary is AED 8,000. The applicant’s salary bank account statement should confirm an income of AED 8,000 or above per month.
A credit history check will reveal the Najm card applicant's past payment history and show how much of a risk they would be for Najm. The Najm credit card staff will check the applicant's credit score in order to determine eligibility.
The Najm card is offered to UAE residents only. The applicant will be required to submit ID proof that clearly shows their residency.
There are two types of applicants the Najm credit card is offered to - salaried applicants and self-employed applicants. The documents required for both categories are as follows:
All the above-mentioned information is subject to change at the bank's discretion. The bank also has the sole right to determine eligibility.
Some of the crucial fees and charges applicable on the Cash Back One Najm card are :
The full list of Najm credit card fees and charges may be found on the Najm website under ‘Schedule of Fees and Charges’.
Najm cards offer cardholders the opportunity to unlock a world of savings and some of UAE's leading card features, such as:
0% EPP : The Najm credit card Easy Payment Plan (EPP) allows customers to turn purchases of AED 500 or more at partnered vendors into small monthly instalments, which can be paid much more easily. The Najm card EPP is offered at 0% interest and for tenors of 3 months, 6 months, 9 months or 12 months. Cardholders may convert transactions at any participating vendor into a Najm card. To convert the transactions into EPP, contact the Najm call centre at 600 57 NAJM( 6256) or login to Najm online.
Balance Transfer : One of the most outstanding Najm credit card features is the Najm Balance Transfer. Cardholders may transfer outstanding balances from other cards up to 80% of the available Cashback One Najm card. This balance amount can be repaid at 0% interest and is applicable on minimum transfers of AED 2,000, even though the Najm credit card minimum salary is higher than expected. It requires no documentation or credit approval.
Instant Loans : Also known as the Najm Card Loan on Phone feature, cardholders can quickly and effortlessly request for as much as 80% of their available Cash Back One Najm credit card limit to be transferred directly into their bank account. This loan can be repaid at low interest rates and over tenors of 3 - 36 months.
Cash Withdrawals : As a Visa-partnered Najm card, the Najm credit card allows cardholders to withdraw cash from any Visa-accepting ATM around the world. This is referred to as a cash withdrawal or a cash advance and can be accessed for up to 25% of the available Cash Back.
Supplementary Cards : Members of the Najm card may request up to 5 supplementary Najm credit cards to share with their family members. The supplementary Najm credit cards are issued free of cost and can be used to access a shared credit limit with the primary Najm card.
The Najm card benefits include more than just huge savings; they also offer the following advantages to cardholders:
Cash Back : As the premier Najm credit card for cashbacks, the Najm credit card offers cardholders the option to save across any and all categories of purchase. The Najm card also offers greater savings the more cardholders make use of it. The cash back criteria are as follows:
In order to avail of the cash back deals, owners of the Najm card are required to spend a minimum of AED 75. The cash back brackets are reset at the end of every billing cycle.
Complimentary Movie Tickets : The Najm card offers cardholders Buy 1 Get 1 Free deals across VOX Cinemas in the UAE. Members of the Najm credit card can avail of the offer for two complimentary tickets and medium popcorn every month.
Travel Advantage : Cardholders can avail of up to 50% discounts on travel expenses by using their Cash Back on Najm credit card to book tour packages, flights, hotel reservations and more at the Najm Voyager Travel Portal.
Lifestyle Discounts : In addition to the amazing cash backs offered by the Najm credit card, cardholders can also enjoy 30% discounts on various lifestyle expenses including but not limited to dining expenses, retail purchases and health & wellness costs. These are referred to as the Najm Lifestyle offers.
Protection : Najm credit card payments are protected under the Lifestyle Protection (LSP) plan offered by Najm. The LSP Najm card service is offered free of charge for the first two months, after which it costs a nominal 0.95% of the Najm card’s outstanding balance every month. LSP protects Cash Back One Najm card owners against the following :
Annual Membership Fee Waiver : The Najm credit card minimum salary play a major role in annual membership fee of AED 313.95. But, with the possibility of earning AED 500 in cash back every month, owners of the Najm card can effectively waive this fee entirely and earn back exponentially more.
Dining Discounts : The Najm Credit card also comes with exclusive discounts up to 30 % with over 450 partners to make the card users’ restaurant visits even more enjoyable.
With all these benefits and discounts the Nejm credit card emerges as a great equipment in UAE, the Nejm credit card minimum salary may high but the benefits are also higher than expected.
In addition to the various Najm card benefits, cardholders are also given access to Najm card offers :
Apple Pay : Najm Credit card users can use Apple Pay on their iPhones and Apple watches, enabling cardholders to save time as there is no need to stand in long queues at the cash register. It is easy, it is efficient and it is a lot faster than swiping credit cards. This secure payment method allows cardholders to make purchases using a unique transaction code. It is contact less as it uses Touch ID or Face ID and is accepted at most shopping and dining outlets in the country.
Samsung Pay : Cardholders are given the option to load their Najm credit card directly onto their Samsung smartphone via the Samsung Pay app. It is a highly convenient and efficient method of payment. Credit card users can visit the rewards and offers section on the Najm official website to check the list of eligible Samsung devices.
Interest-free period : Up to 55 days of interest-free period and a minimum payment of 5% or 100 AED, whichever is higher. The rate varies between 3.25% to 3.69%.
Balance Transfer offer : Transfer your balances to Najm Credit Cards and get preferential rates for 6, 9 or 12 months
Free Cinema Tickets : VOX Buy 1 Get 1 Free for cinema tickets and popcorn.
Fx Rates : The foreign currency rate applicable on overseas transactions is 3%. Enajm portal and app to easily manage your credit card transactions with Najm online
Najm Online Payment : No more payment ATM ques with Comprehensive payment options including Emirates NBD,Mashreq Bank,Citi Bank,HSBC Bank,UAE Exchange,Al Ansari Exchange, Al Ghurair Exchange, Redha Al Ansari Exchange & more.
MAF Finance (Majid Al Futtaim Finance) offers a range of Najm credit cards, Prepaid cards that come with benefits such as cashback, easy Installment plans, Balance Transfer options and AirMile Rewards every time the cardholder swipes the card. The najm credit card minimum salary should be atleast AED 8000 and the Najm credit card eligibility ois also messy to meet..
With Najm Card – Get the best cashback rewards and the most attractive redemption value with great savings through exclusive Najm discounts and special offers for daily lifestyle spends in carrefour and other stores.
Customers can apply for up to five supplementary Najm cards. These supplementary Najm credit cards are issued for free and can be set with spending restrictions as per the primary cardholder’s request. The supplementary and primary Najm cards all share the same credit limit.
Najm card payments can be made in any of the following ways:
Owners of the Najm credit card can earn enormous cash back by simply continuing to use their Najm card. Every transaction made on the Najm card offers the cardholder bigger cash back.
Lost or stolen Najm cards should immediately be reported to the local police authority and to Najm card customer care. The customer care Najm card contact number is 600-57-6256. Once the loss of the Najm credit card has been reported, Najm will issue a replacement Cash Back One Najm card at its own discretion for a fee of AED 78.75.
The Najm credit card may be cancelled by sending the Najm card customer care staff a request in writing. Cardholders are also required to submit all primary and supplementary Cash Back One Najm cards cut in half along with the written request. Once all dues on the Najm card have been cleared, it is suggested that the cardholder request for a Liability Certificate as proof of account closure. The Liability Certificate can be obtained for AED 52.50.
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