NAJM One Cashback

NAJM One Cashback

Min. salary
AED 8,000
Annual fee
AED 313.95
Best for
  • Cashback
  • Dining
  • Balance Transfer
  • Movies
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
View Summary
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

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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


  • 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.

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