Majid Al Futtaim Finance (Najm) One Cashback Credit Card

ADIB Smart Account
Majid Al Futtaim Finance (Najm) Bank

WarningMessage This product is valid by the Bank

interest rate

Interest Rate

3.25%

minimum salary

Minimum Salary

AED 8K

fx rate

Fx Rate

3.25%

annual fee

Annual Fee

AED 313

balance transfer

Balance Transfer

Yes

cashback

Cashback

Yes

interest rate

3.25%

Interest Rate

min salary

AED 8K

Minimum Salary

fx rate

3.25%

Fx Rate

annual fee

AED 313

Annual Fee

bal transfer

Yes

Balance Transfer

cashback

Yes

Cashback

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Features

  • Can convert payments to easy installments for 0% interest
  • Get movie and travel benefits
  • Get discounts on entertainment, lifestyle, leisure, etc.,
  • A minimum salary of AED 8000 is required
  • Can avail balance transfer
  • Annual fees of AED 313.95 is charged

Main Benefits

  • Can save up to AED 500 per month
  • Spend AED 50 at least, to get cashback
  • Buy 1 ticket at Vox Cinemas and get 1 free
  • Get up to 50% off on entertainment, leisure, lifestyle, etc., at more than 450+ partners of Najm
  • Get up to 5 supplementary cards
  • Can get 70% of the credit limit as loan
  • Provides purchase protection and lifestyle protection
  • Get up to 10% cashback every month
  • Cashback increases with the usage of the card

Frequently Asked Questions

Q. How do I claim the cashback earned?

A. Cashback earned is automatically credited to the account.

Q. What are the annual fees on supplementary card?

A. Supplementary cards are provided for free on 0 annual fees.

Q. What is the cash withdrawal limit provided on the card?

A. 25% of the credit limit can be withdrawn as cash.

Q. Are there any fees charged on cash advance?

A. 3% of the withdrawal amount or AED 90 is charged as cash advance.

Q. What are the interest rates charged on cash advance?

A. 3.75%(p.m) is charged as interest rate on cash advance.

Q. What is the processing fees on balance transfer?

A. Up to 3% of the balance transferred is charged as processing fees on balance transfer.

Q. What are the charges on lifestyle protection?

A. 0.95%(pm) of the outstanding balance is charged for lifestyle protection.

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