Check Eligibility for Majid Al Futtaim Finance (Najm)
Credit Card

You are eligible to apply for a Majid Al Futtaim Finance (Najm)
Credit Card .

You may not be eligible * to apply.

* Minimum salary AED 7000 required to apply for a Majid Al Futtaim Finance (Najm) Credit Card .

*No loan for :User_Nationality available in this page

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Majid Al Futtaim Finance (Najm) Credit Cards in UAE

Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Marino, San Marino, Vatican and Isle of man. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals. Find your nearest Citi branch: www.findmyciti.com/ae/. Call us at: +971 4 311 4000.

Address: Citibank UAE, P.O. Box 749, Dubai, United Arab Emirates.

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Check Eligibility for Majid Al Futtaim Finance (Najm) Credit Card

You are eligible to apply for a Majid Al Futtaim Finance (Najm)
Credit Card .

You may not be eligible * to apply.

* Minimum salary AED 7000 required to apply for a Majid Al Futtaim Finance (Najm) Credit Card .

Click here to check loans from other banks.

Majid Al Futtaim Finance (Najm) Credit Card Details
Minimum Salary AED 7000 - AED 15000
Annual Fees AED 0 - AED 499
Cashback Yes
Balance Transfer Yes
Interest Rates 3.25%
Najm Credit Card Offers
  • 10% Cashback
  • Up to 50% OFF on dining
  • Cashback/Reward points on every AED spent
Top Najm Credit Cards Najm Platinum Cashback Credit Card
Najm One Cashback Credit Card
Najm Platinum Plus Cashback Credit Card
Najm Voyager Signature Credit Card

Features of Majid Al Futtaim Finance (Najm) Credit Card

  • Get upto 10% Cashback offers on everywhere
  • Get Voyager rewards on every spent on local and international purchases
  • Discounts on movie tickets at VOX Cinemas
  • 0% Easy Payment Plan at selected stores
  • Low/No Annual fees
  • High benefits and discounts on Travel bookings
  • Earn rewards or cashback as a welcome bonus
  • Get purchase protection for free
  • Free Valet Trolley on Cashback cards
  • Can make Najm credit card payment through one of the listed ways below. Najm card payment is done for free through these methods
    1. Online on eNajm portal 
    2. Through Najm online app (iOS and Android)
    3. Can visit any of the following listed banks and make the payment: Arab Bank, CBD, ADCB, Citibank, Standard Chartered Bank, HSBC, FAB, Emirates NBD, Dubai Islamic Bank. 

Eligibility Criteria of Majid Al Futtaim Finance (Najm) Credit Card

  • Minimum salary of AED 5K-15K is required
  • Minimum age of 21 years is required
  • Both UAE Nationals and Expats are eligible

Documents Required of Majid Al Futtaim Finance (Najm) Credit Card

  • Salary Certificate/Salary transfer letter (Salaried individuals)
  • Emirates ID
  • UAE Residence Visa(For Expats)
  • 3-6 months bank statements
  • Address Proofs(Utility bills)
  • Passport (Expats)
  • Trade licence(Self employed individuals)

Majid Al Futtaim Finance (Najm) Credit Card Interest rates

Majid Al Futtaim Finance (Najm) Bank

4 Majid Al Futtaim Finance (Najm) Bank Credit Cards

Platinum Cashback Card

Majid Al Futtaim Finance (Najm) Platinum Cashback Card
Interest Rate

3.25%

Minimum Salary

AED 7K

Fx Rate

3%

Annual Fee

AED 0

Balance Transfer

Yes

Cashback

Yes

interest rate

3.25%

Interest Rate

minimum salary

AED 7K

Minimum Salary

fx rate

3%

Fx Rate

annual fee

AED 0

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

Yes

Cashback

Advantages
  • 30% cashback on purchases
  • 50% off on travel bookings
  • Carrefour rewards every dirham spent
Advantages
  • 30% cashback on purchases
  • 50% off on travel bookings
  • Carrefour rewards every dirham spent

Features

  • This card is the smartest way to save at Carrefour.
  • This card gets you more privileges at Carrefour.
  • You can get as much as AED 200 worth Carrefour vouchers every month with this card.
Apply Now

Features

  • This card is the smartest way to save at Carrefour.
  • This card gets you more privileges at Carrefour.
  • You can get as much as AED 200 worth Carrefour vouchers every month with this card.
  • You can automatically receive your monthly digital Carrefour vouchers.
  • You get a dedicated Carrefour check out counter at all Carrefour Hypermarkets across the UAE just for Najm card holders.
  • You get an exclusive 12 months 0% EPP on Carrefour webstore purchases and up to 9 months for in-store purchases
  • The Forex rate stands at 3%
  • You get an interest free period of up to 55 days.
    You need to make a minimum payment of 5% or AED 100, whichever is higher.
  • You need to have a minimum salary of AED 7000 to avail this card.
  • You can transfer your balances to your Najm card at preferential rates for 6, 9 or 12 months.

Benefits

  • With this card you can beat the queue, with few dedicated check out counters at Carrefour centers.
  • You can enjoy 'buy one get one free' offer on popcorn in VOX cinemas with this card.
  • Get travel discounts up to 50% with this card.
  • Enjoy 30% off on dining, travel, shopping and entertainment with more than 450 partners.
  • Get free supplementary cards with this card.
  • Choose from a wide selection of gift cards to gift your loved ones.
  • You can pay your Najm card bills, Etisalat bills and DEWA bills at a click of a button of your mouse.
  • Avail Premo online market place provided by this card.
  • Avail Takaful protection and Wallet protection with this card.
Apply Now
View Details

View details on bank page

Voyager Platinum

Majid Al Futtaim Finance (Najm) Voyager Platinum
Interest Rate

3.25%

Minimum Salary

AED 12K

Fx Rate

3%

Annual Fee

AED 208

Balance Transfer

Yes

Cashback

No

interest rate

3.25%

Interest Rate

minimum salary

AED 12K

Minimum Salary

fx rate

3%

Fx Rate

annual fee

AED 208

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

No

Cashback

Features

  • With this card you can manage your travel booking very conveniently.
  • This card is the highest earning rewards website and is quicker when it comes to processing transactions.
  • This card also helps you manage your budget as and when required.
Apply Now

Features

  • With this card you can manage your travel booking very conveniently.
  • This card is the highest earning rewards website and is quicker when it comes to processing transactions.
  • This card also helps you manage your budget as and when required.
  • You can also instant redemptions as and when required.
  • You can travel any day of the year with this card with flexibility, ease and convenience.
  • This card also helps during emergency situations when you are travelling around the world.
  • The Forex rate stands at 3%
  • You get an interest free period of up to 55 days.
    You need to make a minimum payment of 5% or AED 100, whichever is higher.
    The interest rate varies between 3.25% to 3.99%
  • You need a minimum salary of AED 12000 to avail this card.
  • You can transfer your balances to your Najm card at preferential rates for 6, 9 or 12 months.

Benefits

  • Enjoy 30% off on dining, travel, shopping and entertainment with more than 450 partners.
  • Get free supplementary cards with this card.
  • Choose from a wide selection of gift cards to gift your loved ones.
  • You can pay your Najm card bills, Etisalat bills and DEWA bills at a click of a button of your mouse.
  • Avail Premo online market place provided by this card.
  • Avail Takaful protection and Wallet protection with this card.
  • Avail car hire discounts with Visa on this card while travelling.
  • Buy a 2D or a 3D movie ticket at VOX with this card and earn another ticket for absolutely free.
  • Get partial and instant redemptions on your rewards with this card, and no blackout dates on your rewards.
  • Save 50% on hotels you book.
  • Avail 0% easy payment plans with this card.
  • You can create your own travel package with this card.
Apply Now
View Details

View details on bank page

Platinum Plus Cashback Card

Majid Al Futtaim Finance (Najm) Platinum Plus Cashback Card
Interest Rate

3.25%

Minimum Salary

AED 7K

Fx Rate

3%

Annual Fee

AED 420

Balance Transfer

Yes

Cashback

Yes

interest rate

3.25%

Interest Rate

minimum salary

AED 7K

Minimum Salary

fx rate

3%

Fx Rate

annual fee

AED 420

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

Yes

Cashback

Advantages
  • 5% cashback as introductory offer
  • Buy 1 Get 1 free at vox cinemas
  • 3% cashback at carrefour
Advantages
  • 5% cashback as introductory offer
  • Buy 1 Get 1 free at vox cinemas
  • 3% cashback at carrefour

Features

  • This card is the smartest way to save at Carrefour.
  • This card gets you more privileges at Carrefour.
  • You can automatically receive your monthly digital Carrefour vouchers.
Apply Now

Features

  • This card is the smartest way to save at Carrefour.
  • This card gets you more privileges at Carrefour.
  • You can automatically receive your monthly digital Carrefour vouchers.
  • You get a dedicated Carrefour check out counter at all Carrefour Hypermarkets across the UAE just for Najm card holders.
  • You get an exclusive 12 months 0% EPP on Carrefour webstore purchases and up to 9 months for in-store purchases
  • The Forex rate stands at 3%
  • You get an interest free period of up to 55 days.
    You need to make a minimum payment of 5% or AED 100, whichever is higher.
    The interest rate varies between 3.19% to 3.59%
  • You need to have a minimum salary of AED 7000 to avail this card.
  • You can transfer your balances to your Najm card at preferential rates for 6, 9 or 12 months.

Benefits

  • With this card you can beat the queue, with few dedicated check out counters at Carrefour centers.
  • You can enjoy 'buy one get one free' offer on movie tickets in VOX cinemas with this card.
  • Get travel discounts up to 50% with this card.
  • Enjoy 30% off on dining, travel, shopping and entertainment with more than 450 partners.
  • Get free supplementary cards with this card.
  • Choose from a wide selection of gift cards to gift your loved ones.
  • You can pay your Najm card bills, Etisalat bills and DEWA bills at a click of a button of your mouse.
  • Avail Premo online market place provided by this card.
  • Avail Takaful protection and Wallet protection with this card.
Apply Now
View Details

View details on bank page

Voyager Signature

Majid Al Futtaim Finance (Najm) Voyager Signature
Interest Rate

3.25%

Minimum Salary

AED 15K

Fx Rate

3%

Annual Fee

AED 523

Balance Transfer

Yes

Cashback

No

interest rate

3.25%

Interest Rate

minimum salary

AED 15K

Minimum Salary

fx rate

3%

Fx Rate

annual fee

AED 523

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

No

Cashback

Features

  • With this card you can manage your travel booking very conveniently.
  • This card is the highest earning rewards website and is quicker when it comes to processing transactions.
  • This card also helps you manage your budget as and when required.
Apply Now

Features

  • With this card you can manage your travel booking very conveniently.
  • This card is the highest earning rewards website and is quicker when it comes to processing transactions.
  • This card also helps you manage your budget as and when required.
  • You can also instant redemptions as and when required.
  • You can travel any day of the year with this card with flexibility, ease and convenience.
  • This card also helps during emergency situations when you are travelling around the world.
  • The Forex rate stands at 3%
  • You get an interest free period of up to 55 days.
    You need to make a minimum payment of 5% or AED 100, whichever is higher.
    The interest rate varies between 3.25% to 3.99%
  • You need a minimum salary of AED 15000 to avail this card.
  • You can transfer your balances to your Najm card at preferential rates for 6, 9 or 12 months.

Benefits

  • Enjoy 30% off on dining, travel, shopping and entertainment with more than 450 partners.
  • Get free supplementary cards with this card.
  • Choose from a wide selection of gift cards to gift your loved ones.
  • You can pay your Najm card bills, Etisalat bills and DEWA bills at a click of a button of your mouse.
  • Avail Premo online market place provided by this card.
  • Avail Takaful protection and Wallet protection with this card.
  • Avail car hire discounts with Visa on this card while travelling.
  • Buy a 2D or a 3D movie ticket at VOX with this card and earn another ticket for absolutely free.
  • Get partial and instant redemptions on your rewards with this card, and no blackout dates on your rewards.
  • Save 50% on hotels you book.
  • Avail 0% easy payment plans with this card.
  • You can create your own travel package with this card.
  • Enjoy complimentary access at more than 850 lounges at airports with loungekey.
  • Avail global emergency assistance with this bank.
  • Get 30% mid week discounts at Jebel Ali Golf Resort.
Apply Now
View Details

View details on bank page

Majid Al Futtaim Finance (Najm) Credit Card Benefits

Rewards:

  • The more you use Najm cashback One Credit Card the more cash back you get
  • Get up to 10% cashback on frequent usage as a part of Najm card offers
  • Get any Najm Voyager Credit Card and earn Voyager rewards on every AED spent
  • Get AED 750 as welcome bonus on Najm Voyager Signature Credit Card

Entertainment and leisure:

  • Buy one ticket and popcorn and get another for free at VOX cinemas
  • Get over 50% off on dining, entertainment and much more using Najm Cashback Credit Card
  • Get 30% off on dining, shopping, entertainment etc using Najm Voyager Credit Card
  • Get access to more than 550 airport lounges globally using Najm Credit card
  • Get complimentary access to the best golf clubs

Travel:

  • 1.5 - 3 Voyager rewards on the usage of Najm Voyager Credit Cards globally
  • Can redeem Najm voyager rewards on travel bookings  
  • Use Najm Voyager Credit Card and get up to 50% off on hotel bookings
  • Get offers on flight bookings

Frequently Asked Questions

⭐ Where should I book my travel tickets to avail discounts?

A. Make your travel bookings atnajmvoyager.comto avail a high range of discounts.

⭐ Can I convert my travel booking to EPP?

A. Yes, you can convert your travel bookings payments to EPP on 0% interest.

⭐ What is the maximum tenure provided on 0% EPP?

A. For purchases made on Carrefour websites, you get 1-year tenure and 9 months in other stores.

⭐ What is the maximum withdrawal limit provided?

A. You can withdraw up to 25% of your credit limit using your Najm Card.

⭐ Do I get a prepaid card on the primary card?

A. Yes, the cardholder can get prepaid cards, gift cards and supplementary cards on the primary card.

⭐ How do I convert my transactions to Easy Installment Plan?

A. You can access your credit card account onNajm Onlineand convert your regular payments to installments

⭐ Can I get loan on the credit card?

A. Yes, Najm Credit card holders can get loan on their credit cards.

⭐ What is the maximum loan provided on the Najm Credit Card?

A. The maximum finance provided is up to 70% of the credit card limit.

⭐ Are there any fees levied on paying the loan amount in prior to the tenure?

A. Yes, an early settlement fee of AED 105 is charged.

⭐ What is the maximum tenure provided on the 0% EPP?

A. The maximum tenure provided on 0% EPP is 12 months.

⭐ What is the eligibility criteria to avail cashback?

A. A minimum expenditure of AED 2000 should be made in a month to avail cashback of that particular month.

⭐ How to avail complimentary valet trolley facility?

A. A minimum spend of AED 250 at carrefour is required to get free valet trolley facility.

⭐ Are the rewards/cashback provided on payments converted to 0% EPP?

A. No, for all the payments converted to 0% EPP, rewards/cashback is not provided.

⭐ What are the offers provided on Majid Al Futtaim Finance (Najm) credit cards?

A. Majid Al Futtaim Finance (Najm) provides several dining, shopping, etc. discounts. Check here the list of Majid Al Futtaim Finance (Najm) offers

⭐ What is the minimum salary required?

A. The minimum salary required for a Najm Credit Card is AED 7000.

⭐ What is the annual fees charged?

A. The annual fees charged on a Najm Credit Card starts from AED299.

⭐ What is the interest rate charged?

A. The interest rate on a Najm credit cards start from 3.25%.

⭐ What are the charges levied for Najm card payment?

A. You can make your Najm card payments through Online website portal, mobile app or by visiting any of the partnered banks. There are NO charged levied for credit card payment.

About Majid Al Futtaim Finance (Najm)

Najm strives to cater to all the unique financial needs of an individual. With an intention of doing things in a different way, they have created products and solutions with the customer, at the center. With branch-less banking and amazing client benefits, Najm has changed the process of banking. It works with a dream to create extraordinary moments for every customer each day and a mission of providing the easiest way to access banking and enjoy it the most.

The bank stands on the following values:

  • Be Proactive.
  • Make it Easy.
  • Be More Human.
  • Be Straightforward

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