Last Updated on 07 February 2019

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 products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page 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.

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Majid Al Futtaim Finance (Najm) Cashback Gold

Majid Al Futtaim Finance (Najm) Bank

WarningMessage This product is discontinued by the Bank

Cashback Gold

Majid Al Futtaim Finance (Najm) Cashback Gold
Interest Rate

3.25%

Minimum Salary

AED 8K

Fx Rate

3%

Annual Fee

AED 400

Balance Transfer

Yes

Cashback

Yes

Majid Al Futtaim Finance (Najm) Cashback Gold
interest rate

3.25%

Interest Rate

min salary

AED 8K

Minimum Salary

fx rate

3%

Fx Rate

annual fee

AED 400

Annual Fee

bal transfer

Yes

Balance Transfer

cashback

Yes

Cashback

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 500 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.
  • The interest rate varies between 3.19% to 3.59%
  • You need to have a minimum salary of AED 8000 to avail this card.
  • You can transfer your balances to your Najm card at preferential rates for 6, 9 or 12 months.
  • The annual fee applicable on this card is AED 420.

Main 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.
  • You get an introductory offer of 10% booster cashback at Carrefour and 5% for spends elsewhere for first 60 days.
  • You can save up to AED 500 with this card.
  • You can automatically get your cashback redeemed through Carrefour voucher redeemable at all Carrefour stores across the UAE.

Frequently Asked Questions

⭐ How many supplementary cards can I avail with this card?

A. You can avail 5 free supplementary cards with this card.

⭐ What are the cash advance options with this card?

A. You can avail 25% cash advance with this card.

⭐ How much loan can I avail with this card?

A. You can avail a loan of 75% of your credit limit with this card.

⭐ How will easy payment plan help you?

A. Easy payment plan will help you in easing your pain by making your payments in installments at 0% interest

⭐ On what all perks can I avail gift cards?

A. You can avail gift cards on beauty and wellness, Birthdays, Electronics, Fashion, Food, Games and many other options.

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