Najm ONE Credit Card

ONE Credit Card

Minimum Salary AED 8000
Annual Fee AED 314
Rate 3.25
Cash Advance 3% /Min 90
Non AED Transaction Fee 3%
Minimum Salary AED 8000
Annual Fee AED 314
Rate 3.25
Cash Advance 3.00% /Min 90
Non AED Transaction Fee 3%

Top Reasons To Choose

  • Earn cash back on all spends
  • Earn up to 10% cashback

Things To Be Aware Of

  • Interest rate varies based on % of total bal paid previously

UAE's only card that increases your cash back as the number of transactions increase.

Reward Features

Earn cashback  subject to minimum spend of AED 2,000 per month:
  • Cashback rates are dependent on number of transactions made - 1-5 = 1%, 11-25 = 2%, 26-40= 4%, 41-50 = 6%, 51-60 = 8%, 61+ = 10%
  • Minimum transaction value to qualify is AED 75
  • Limits apply on number of transactions per day and per month for each merchant ID as well as specific  merchant category codes (MCC)
  • Maximum cash back per month is AED 500 

Detailed Features

Najm Exclusive Benefits
30% off on dining, shopping, travel and entertainment experiences from over 450 partners. 
Cinema Offers
Customers can avail 10 complimentary tickets at VOX on Sundays and 2 tickets any day. 20% off at Roxy valid on weekends. No minimum spend required. 
Purchase Protection
Protects against the theft or accidental damage of purchased items. Coverage for a maximum of 365 days from date of purchase.
Extended Warranty
It doubles the repair period offered by the original manufacturer ’s warranty for up to 1 year, protecting against the cost of repair and replacement of an item.

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