How to Apply for a NAJM Credit Card in the UAE?

One can apply for a NAJM credit card through • Visiting one of the bank’s branches and submitting required documents • Apply directly on the bank’s online application forms. • Banks Kiosks at various locations Soulwallet offers detailed feature comparison and customized tools which assist customers in making a well-informed personal finance decision.

Best Najm Credit Card Offers in UAE

Q: How can I earn cashback on NAJM Credit Cards?

NAJM cards offer attractive cashback credit card offers . Their Platinum Plus card offers 10% introductory discount for first 60 days, 6% cashback on every Thursdays, 3 % on other days at carrefour and 1.5% wherever Visa is accepted. While Platinum card offers 3% on Thursday, 1.5% on other days and 0.5% wherever Visa is accepted.

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Najm ONE Credit Card Najm

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 314

Cinema Tickets
Dining Offers
Balance Transfer
Purchase Protection
Extended Warranty

Earn cash back on all spends
Earn up to 10% cashback

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 314

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 90

Key Features

Get up to 10% cash back on groceries, utilities, school fees, dining, fashion, fuel etc. (max cap of AED 500 cashback per month)
12 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
Access to over 200 airport restaurant offers globally
Extended warranty & purchase protection on purchases made on the card
30% off on dining, shopping, travel and entertainment experiences from over 450 partners

Reward Features

Earn cashback subject to minimum spend of AED 2,000 per month:

Cashback rates are dependent on number of transactions made - 1-5 = 1%, 11-25 = 2%, 26-40= 4%, 41-50 = 6%, 51-60 = 8%, 61+ = 10%
Minimum transaction value to qualify is AED 75
Limits apply on number of transactions per day and per month for each merchant ID as well as specific merchant category codes (MCC)
Maximum cash back per month is AED 500

Things To Be Aware Of

Interest rate varies based on % of total bal paid previously

Apply Now

Najm Platinum Cashback Card Najm

MINIMUM SALARY

AED 7,000

RATE

3.25%

ANNUAL FEE

AED 0

Golf offers
Cinema Tickets
Dining Offers
Balance Transfer
Purchase Protection
Extended Warranty

Free for life cashback credit card
Exclusive offers at Carrefour
Earn 3% cashback at Carrefour on Tuesdays

MINIMUM SALARY

AED 7,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 90

Key Features

Earn extra cashback (1.5%) at all purchases at Carrefour (and 3% on Tuesdays)
Exclusive Carrefour benefits including dedicated check-out counters, free unlimited valet trolley & other offers
12 tickets in a month at VOX under Buy1 and Get 1. Also avail 20
Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
30% off on dining, shopping, travel and entertainment experiences from over 450 partners
8% discount on hotel bookings made at Hotels.com
Access to over 200 airport restaurant offers globally
Visa Luxury Hotel collection offers
2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
4 free months of Anghami Plus
Extended warranty & purchase protection on purchases made on the card

Reward Features

Earn Cashback (subject to minimum overall spend of AED 2,000 per month) :

For every AED 1 spent in Carrefour earn 1.5% cashback and for every AED 1 spent everywhere else earn 0.5% cashback
Double your Cashback every Tuesday at Carrefour (i.e. earn 3% cashback)
Maximum redemption a month is AED 200 in Carrefour voucher

Things To Be Aware Of

Interest rate varies based on % of total bal paid previously
Minimum spend of AED 2,000 p.m required to earn cashback

Apply Now

Najm Platinum Plus Cashback Card Najm

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 420

Golf offers
Cinema Tickets
Dining Offers
Balance Transfer
Purchase Protection
Extended Warranty

Exclusive offers at Carrefour
Earn 3% cashback at Carrefour through the year
Earn 6% cashback at Carrefour on Tuesdays
VOX Cinema offers

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 420

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 90

Joining Offers

10% cashback at Carrefour and 5% cashback everywhere else for the first 60 days. Get AED 400 cashback as introductory offer.

Key Features

Earn extra cashback (3%) at all purchases at Carrefour (and 6% on Tuesdays)
Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
Exclusive Carrefour benefits including dedicated check-out counters, free unlimited vallet trolley & other offers
Earn extra cashback at all purchases at Carrefour
Up to 2 buy-one-get-one free on tickets & popcorn at VOX Cinemas
12 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
30% off on dining, shopping, travel and entertainment experiences from over 450 partners
Access to over 200 airport restaurant offers globally
Visa Luxury Hotel collection offers
2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
4 free months of Anghami Plus
Extended warranty & purchase protection on purchases made on the card
8% discount on hotel bookings made at Hotels.com

Reward Features

Earn Cashback (subject to minimum overall spend of AED 2,000 per month):

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 every Tuesday at Carrefour (i.e. earn 6% cashback)
Maximum redemption a month is AED 500 in Carrefour voucher

Things To Be Aware Of

Interest rate varies based on % of total bal paid previously
Minimum spend of AED 2,000 p.m required to earn cashback

Apply Now

Najm Voyager Platinum Credit Card Najm

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 209

Golf offers
Cinema Tickets
Dining Offers
Balance Transfer
Purchase Protection
Extended Warranty

Earn rewards on ALL spends

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 209

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 90

Key Features

Earn 'Voyager Rewards' on all spends & redeem against your travel purchases
Up to 9% discount on Expedia Hotel Bookings
Up to 2 buy-one-get-one free on tickets & popcorn at VOX Cinemas
Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
50% off on dining, shopping, travel and entertainment experiences from over 450 partners
10 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
Access to over 200 airport restaurant offers globally
Visa Luxury Hotel collection offers
8% discount on hotel bookings made at Hotels.com
2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
4 free months of Anghami Plus subscription
Extended warranty & purchase protection on purchases made on the card

Reward Features

Earn Voyager Rewards:

Earn 2.5 Voyager Rewards for every AED spent internationally
Earn 1.5 Voyager Rewards for every AED spent locally
Earn 1 Voyager Reward for every AED spent on utility bills, school fees, e-govt spends and fuel purchases
Redeem Voyager points against travel purchase transactions (flights/hotel bookings, travel packages, airport transfers, etc.)

Things To Be Aware Of

Interest rate varies based on % of total bal paid previously

Apply Now

Najm Voyager Signature Credit Card Najm

MINIMUM SALARY

AED 16,000

RATE

3.25%

ANNUAL FEE

AED 524

Golf offers
Cinema Tickets
Dining Offers
Balance Transfer
Airport Lounge Access
Travel Insurance
Purchase Protection
Extended Warranty
Life Insurance

Joining offer of up to 75,000 Voyager reward points
Earn rewards points on ALL spends
Airport lounge access for primary & secondary cardholders

MINIMUM SALARY

AED 16,000

RATE

3.25%

ANNUAL FEE

AED 524

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 90

Joining Offers

Welcome Bonus

Spend AED 15,000 on the Voyager Signature Card in the first 60 days and get up to 75,000 Voyager Rewards credit. (worth AED 750).
Get 30,000 Voyager Rewards when you pay the annual fee on the due date.
Get 15,000 Bonus Spend Rewards when you spend AED 15,000 within the first 60 days.
Get balance 30,000 Regular Spend Rewards on transactions made during the billing cycle.

Key Features

Earn 'Voyager Rewards' on all spends & redeem against your travel purchases
Spend AED 15,000 in the first 60 days & get up to 75,000 Voyager Rewards credit (worth AED 750)
12 complimentary visits each to 1000+ airport lounges globally for primary & supplementary cardholders
12 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
Travel insurance cover up to $500,000 covering the cardholder & family
24-hour personalised concierge service
Fraudulent card misuse protection cover ($2,500 per occurrence, $4,000 annual aggregate limit)
Extended warranty & purchase protection on purchases made on the card
Visa luxury hotel collection offers
2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
Subscribe to Anghami Plus and enjoy up to four months free for the first year
50% off on dining, shopping, travel and entertainment experiences from over 450 partners
8% discount on hotel bookings made at Hotels.com

Reward Features

Earn Voyager Rewards:

Earn 3 Voyager Rewards for every AED spent internationally
Earn 2 Voyager Rewards for every AED spent locally
Earn 1 Voyager Reward for every AED spent on utility bills, school fees, e-govt spends and fuel purchases

Redeem Voyager points against travel purchase transactions (flights/hotel bookings, travel packages, airport transfers, etc.)

Things To Be Aware Of

Interest rate varies based on % of total bal paid previously

Apply Now

Najm Credit Cards

Najm Credit Cards Features

Credit Cards by Bank

Popular Cards from Najm	Income Eligibility	Annual Fee	Interest / Profit Rate
Najm ONE Credit Card	AED 8,000	AED 314	3.25%
Najm Platinum Cashback Card	AED 7,000	AED 0	3.25%
Najm Platinum Plus Cashback Card	AED 8,000	AED 420	3.25%
Najm Voyager Platinum Credit Card	AED 10,000	AED 209	3.25%
Najm Voyager Signature Credit Card	AED 16,000	AED 524	3.25%

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FAQs

NAJM cards offer attractive cashback credit card offers. Their Platinum Plus card offers 10% introductory discount for first 60 days, 6% cashback on every Thursdays, 3 % on other days at carrefour and 1.5% wherever Visa is accepted. While Platinum card offers 3% on Thursday, 1.5% on other days and 0.5% wherever Visa is accepted.

NAJM Platinum, Platinum Plus and One credit card has a minimum spend of AED 2000 per month.

NAJM offers cashback and travel credit cards which earns voyager points. Soulwallet lists all these products with detailed features.

One can apply for a NAJM credit card through

Visiting one of the bank’s branches and submitting required documents
Apply directly on the bank’s online application forms.
Banks Kiosks at various locations

Soulwallet offers detailed feature comparison and customized tools which assist customers in making a well-informed personal finance decision.

NAJM Platinum cards are offered for a minimum salary of AED 7000 per month.

Soulwallet provides comprehensive and simple to use comparison tools which can help customers identify most suitable credit cards and personal finance options. The level of detail in comparison is unique and rich in quality. Soulwallet’s smart algorithm-based tool can show customers which cards can save maximum Dhirams based on their customized spend

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FAQs

How can I earn cashback on NAJM Credit Cards?

Is there a minimum spend required to earn cashback on NAJM Credit Cards?

What types of NAJM Credit Cards Does Soulwallet Has to Offer?

How to Apply for a NAJM Credit Card in the UAE?

What Is the Minimum Salary Required to Apply for NAJM Credit Cards in Dubai, UAE?

Why Choose Soulwallet.com for NAJM Bank Credit Cards Over Others?