Najm is fully owned by Majid Al Futtaim with headquarters in Dubai. Najm provides wide range of products and services on credit cards and prepaid cards to meet the requirements of its valuable customers. As compared to other Banks they are a new provider in UAE. They are best known for the cash back feature at Carrefour. The major Credit cards offered by Najm are:
- Najm Blue Credit Card: This is a free for life credit card with cash back rewards. The minimum monthly salary requirements is AED 5000. Enjoy 2% cash back at Carrefour and 1% cash back on all other spends. The interest rate on the card is 3.09% p.m. Cardholders can also enjoy dedicated checkout counters at Carrefour Hypermarkets and ‘Buy 1 get 1 free’ cinema ticket offer at VOX Cinema.
- Najm Visa Platinum Credit Card: This card is packed with travel, entertainment benefits. These include ‘buy 1 get 1 free’ cinema tickets and complimentary access to airport lounges worldwide. The minimum salary requirement to apply for this Card is AED 15,000. The Card is available at an annual fee of AED 750 and interest rate of 2.49% p.m.
- Najm Silver Credit Card: This card gives a 10% introductory cash back on all spends within first 60 days of approval. The minimum salary requirement is AED 5000. The annual fee is AED200 with an interest rate of 2.99% p.m. Benefits include dedicated checkout counters at Carrefour Hypermarkets and ‘buy1 get 1 free’ Vox Cinema vouchers.
- Najm Gold Credit Card: Najm Gold Card offers a 10% introductory cash back that can be used within 60 days. Thereafter enjoy 4% cashback at Carrefour and 2% cashback on all other spends. The annual fee is AED400 and the interest rate is 2.99% p.m.
- Najm Internet Shopping Card: This card offers a secure online shopping to its customers that make shopping hassle free.
- Najm Visa Credit Card: This is a gift card and can be bought for AED 100 TO AED 3500. The Card can be used at worldwide outlets
- Angry Bird Prepaid Credit Card: Easy to use prepaid card with up to AED 3500 credit that is accepted worldwide.