NAJM

NAJM

Najm aims to do things a little differently when it comes to financial solutions. They understand you are an individual and you have needs well that are unique to you. That’s why Najm creates products and solutions with you, the customer, at the center. With branchless banking and world class customer service, Najm is changing the way you think about banking.

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Overview

Spend everywhere, maximize your savings at Carrefour, and live the Platinum Life.

Summary
Annual fee
Free
Card Replacement fee
AED 78.75
Over Limit fee
AED 301.35
Late payment fee
AED 241.5
Cash Withdrawal Fee
AED 90 OR 3% Which ever is higher
Unique Features

    • 30% off on dining, shopping, travel and entertainment experiences from over 450 partners.
    • Najmvoyager.com offers you a 9% exclusive discount on Expedia hotels when you book your travel with your Najm Platinum Cashback card.
      • For effortless online shopping with card number, expiry date, and security code at the back of the card.
      • VISA VOX Offer – 50% discount on Sundays only.
      • Buy One Get One Popcorn – You can enjoy up to 2 free popcorns per session when you buy 3 medium popcorns with your Najm Platinum Cashback Credit Card
      Core Benefits
      • Balance Transfer - Simply transfer outstanding balances from other credit cards to your Najm Credit Card
      • Loan On Phone - Get up to 70% of your available Najm Credit Card limit transferred to your bank account and take care of school fees, rent, or any other expenditure.
      • Cash Advance - You can withdraw cash from ATMs worldwide that have the Cirrus log
      Features

        • 3% cashback every Tuesday at Carrefour
        • 1.5% cashback every day at Carrefour
        • 0.5% cashback everywhere Visa is accepted
        • Up to AED 200 monthly savings
        • Enjoy your cashback on a minimum spend of AED 2000 in a billing cycle. 
        • Dedicated Najm check-out counters at Carrefour
        • Free unlimited Valet Trolley at Carrefour with a minimum spend of AED 250. 
        • Exclusive offers at Carrefour
        • 0% EPP up to 12 months at Carrefour
        Credit Card Benefits
        • Cashback
        • Movies
        • Dining
        • Balance Transfer

        Thank you

        Thank you for choosing BankOnUs to get the best credit card.

        We have received your enquiry and our expert advisor will contact you within 24 hours. If you have any query, please call us on 800BANKONUS (22656687).

        Apologies!

        The salary you have entered does not match the minimum salary requirement of AED {0}.
        Please reach out to the bank directly for further assistance.
        Go to home page

        Apply Online Now

        Fill in your details and our expert advisor will contact you soon.

        Overview

        Travel with ease, convenience and flexibility while earning the highest rewards. Enjoy up to AED 750 as Voyager Rewards when you spend AED 15,000 within the first 60 days.

        Summary
        Annual fee
        AED 523.95
        Card Replacement fee
        AED 78.75
        Over Limit fee
        AED 301.35
        Late payment fee
        AED 241.5
        Cash Withdrawal Fee
        AED 90 OR 3% Which ever is higher
        Unique Features

          • Earn 3 Voyager Rewards for international spends and 2 Voyager Rewards for domestic spends. Book your travel with any preferred airline or travel partner and instantly redeem on najm.ae/voyager for full or partial cost of purchase
          • 12 complimentary visits across 1000+ airport lounges
          • ‘Dine & Fly’ provides airport dining offers at more than 200 locations globally. 
          • Travel with peace of mind and protect yourself against unforeseen circumstance with the complimentary medical and personal accident cover of up to USD 500,000
          Core Benefits

              • Balance Transfer - Simply transfer outstanding balances from other credit cards to your Najm Credit Card.
              • Loan On Phone - Get up to 70% of your available Najm Credit Card limit transferred to your bank account and take care of school fees, rent, or any other expenditure.
              • Cash Advance - You can withdraw cash from ATMs worldwide that have the Cirrus logo
              Features

                • Get up to 5 Supplementary Cards for your family.
                • The 24/7 Visa Concierge Services help you save valuable time and makes your life easy. From organizing a flight, to recommending a restaurant, arranging for opera tickets, or any services away from home - all it takes is a call to Visa Concierge.
                • Enjoy Buy One Get One Free on tickets and popcorn at VOX Cinemas for up to 2 free tickets each month.
                • Enjoy 30% off on dining, shopping, travel and entertainment experience at some of the UAE's finest destinations from over 450 partner merchants with Najm Lifestyle. 
                Credit Card Benefits
                • Movies
                • Dining
                • Airmiles
                • Balance Transfer
                • Golf

                Thank you

                Thank you for choosing BankOnUs to get the best credit card.

                We have received your enquiry and our expert advisor will contact you within 24 hours. If you have any query, please call us on 800BANKONUS (22656687).

                Apologies!

                The salary you have entered does not match the minimum salary requirement of AED {0}.
                Please reach out to the bank directly for further assistance.
                Go to home page

                Apply Online Now

                Fill in your details and our expert advisor will contact you soon.

                Overview

                Travel with ease, convenience and flexibility while earning the highest rewards. Enjoy your card free for the first year when you spend AED 10,000 within the first 60 days.

                Summary
                Annual fee
                AED 208.95
                Card Replacement fee
                AED 78.75
                Over Limit fee
                AED 301.35
                Late payment fee
                AED 241.5
                Cash Withdrawal Fee
                AED 90 OR 3% Which ever is higher
                Unique Features

                  • Earn 2.5 Voyager Rewards for international spends and 1.5 Voyager Rewards for domestic spends. Book your travel with any preferred airline or travel partner and instantly redeem on najm.ae/voyager for full or partial cost of purchase
                  • 'Dine & Fly’ provides airport dining offers at more than 200 locations globally. Download the ‘Dine & Fly’ application on App Store & Google Play and register today to make the most of your travel experience.
                  • Enjoy Buy One Get One Free on tickets and popcorn at VOX Cinemas for up to 2 free tickets each month.
                  • Enjoy 30% off on dining, shopping, travel and entertainment experience at some of the UAE's finest destinations from over 450 partner merchants with Najm Lifestyle.
                  Core Benefits

                      • Balance Transfer - Simply transfer outstanding balances from other credit cards to your Najm Credit Card.Balance transfer fee is up to 5%
                      • Loan On Phone - Get up to 70% of your available Najm Credit Card limit transferred to your bank account and take care of school fees, rent, or any other expenditure.
                      • Cash Advance - You can withdraw cash from ATMs worldwide that have the Cirrus logo
                      Features
                      • The UAE Direct Debit System is a system that accords you the convenience of automating your monthly payments to your Najm Credit Card directly from your bank account ensuring your payments are cleared on your payment due date.
                      • Your Najm Credit Card is covered by a Global Emergency Assistance service, which covers reporting lost or stolen cards, emergency card replacement and emergency cash disbursement.
                      • At a click or on-the-go, our desktop and mobile solutions are simple and secure, offering you instant access to your credit card account. Pay your Najm card bills, DEWA bills, Etisalat bills are more at a click of a button.
                      • Get up to 5 Supplementary Cards for your family
                      Credit Card Benefits
                      • Movies
                      • Dining
                      • Airmiles
                      • Balance Transfer

                      Thank you

                      Thank you for choosing BankOnUs to get the best credit card.

                      We have received your enquiry and our expert advisor will contact you within 24 hours. If you have any query, please call us on 800BANKONUS (22656687).

                      Apologies!

                      The salary you have entered does not match the minimum salary requirement of AED {0}.
                      Please reach out to the bank directly for further assistance.
                      Go to home page

                      Apply Online Now

                      Fill in your details and our expert advisor will contact you soon.

                      Overview

                      Spend everywhere, maximize your savings at Carrefour, and live the Platinum Life.

                      Summary
                      Annual fee
                      AED 420
                      Card Replacement fee
                      AED 78.75
                      Over Limit fee
                      AED 301.35
                      Late payment fee
                      AED 241.5
                      Cash Withdrawal Fee
                      AED 90 OR 3% Which ever is higher
                      Unique Features

                          • 30% off on dining, shopping, travel and entertainment experiences from over 450 partners. 
                          • Najmvoyager.com offers you a 9% exclusive discount on Expedia hotels when you book your travel with your Najm Platinum Plus Cashback card.
                          • For effortless online shopping with card number, expiry date, and security code at the back of the card.
                          • Najm VOX Cinema offer – Buy One Get One Free Cinema ticket and Popcorn any day
                          • VISA VOX Offer – 50% discount on Sundays only.
                          Core Benefits

                              • Balance Transfer - Simply transfer outstanding balances from other credit cards to your Najm Credit Card. 
                              • Loan On Phone - Get up to 70% of your available Najm Credit Card limit transferred to your bank account and take care of school fees, rent, or any other expenditure.
                              • Cash Advance - You can withdraw cash from ATMs worldwide that have the Cirrus logo
                              Features
                              • 10% cashback at Carrefour and 5% cashback everywhere else for the first 60 days. Get AED 400 cashback as introductory offer
                              • 6% cashback every Tuesday at Carrefour
                              • 3% cashback everyday at Carrefour.
                              • 1.5% cashback everywhere Visa is accepted
                              • Up to AED 500 savings every month
                              • Enjoy your cashback on a minimum spend of AED 2000 in a billing cycle. 
                              • 6% Cashback every Tuesday at Carrefour (All Carrefour stores, Carrefour Webstore, Carrefour Mobile app)
                              • 3% Cashback everyday at Carrefour
                              • Dedicated Najm check-out counters at Carrefour.
                              • Free unlimited Valet Trolley at Carrefour with a minimum spend of AED 250. 
                              • Exclusive offers at Carrefour
                              • 0% EPP up to 12 months at Carrefour
                              Credit Card Benefits
                              • Cashback
                              • Movies
                              • Dining
                              • Balance Transfer

                              Thank you

                              Thank you for choosing BankOnUs to get the best credit card.

                              We have received your enquiry and our expert advisor will contact you within 24 hours. If you have any query, please call us on 800BANKONUS (22656687).

                              Apologies!

                              The salary you have entered does not match the minimum salary requirement of AED {0}.
                              Please reach out to the bank directly for further assistance.
                              Go to home page

                              Apply Online Now

                              Fill in your details and our expert advisor will contact you soon.

                              Overview

                              Najm ONE is the only credit card that increases your cash back as the number of transactions increase giving you monthly cash back savings directly credited to your statement

                              Summary
                              Annual fee
                              AED 313.95
                              Card Replacement fee
                              AED 78.75
                              Over Limit fee
                              AED 301.35
                              Late payment fee
                              AED 241.5
                              Cash Withdrawal Fee
                              AED 90 OR 3% Which ever is higher
                              Unique Features
                              • 30% off on dining, shopping, travel and entertainment experiences from over 450 partners.
                              • For effortless online shopping with card number, expiry date, and security code at the back of the card.
                              • Najm VOX Cinema offer – Buy One Get One Free Cinema ticket and Popcorn any day
                              Core Benefits
                              Balance Transfer - Simply transfer outstanding balances from other credit cards to your Najm Credit Card.
                              Loan On Phone - Get up to 70% of your available Najm Credit Card limit transferred to your bank account and take care of school fees, rent, or any other expenditure.
                              Cash Advance - You can withdraw cash from ATMs worldwide that have the Cirrus logo

                              Features
                              • Get 10% cash back on groceries, utilities, school fees, dining, fashion, fuel, online shopping, travel, international spends, and everything else you can think of
                              • Cash back is directly credited back to your credit card account every month
                              • Earn cash back of up to AED 500 every month. The more you use your card, the faster you reach AED 500 monthly savings
                              • Get up to 5 Supplementary Cards for your family.
                              Credit Card Benefits
                              • Cashback
                              • Movies
                              • Dining
                              • Balance Transfer

                              Thank you

                              Thank you for choosing BankOnUs to get the best credit card.

                              We have received your enquiry and our expert advisor will contact you within 24 hours. If you have any query, please call us on 800BANKONUS (22656687).

                              Apologies!

                              The salary you have entered does not match the minimum salary requirement of AED {0}.
                              Please reach out to the bank directly for further assistance.
                              Go to home page

                              Apply Online Now

                              Fill in your details and our expert advisor will contact you soon.