Are you contemplating to get a Najm Credit Cards? You are not in this hassle alone, as more people are embracing these cards due to their great advantages and easy payment terms. Whether it is shopping, wanting to travel, or just making daily expenditures more convenient, Najm presents many credit card solutions that are likely to suit your requirements.

However, before getting into the advantages of these cards, it is imperative to grasp how they operate—from the application to activation or even cancellation to closure aspects. In this regard, let’s look at some of the essential things you should understand about Najm Credit Cards so that you can take better steps in your finances, irrespective of the challenges you might face.

Najam One Credit Card

Key Features

• Enjoy up to 10% cashback when you spend on food, utilities, fees for school, dining, fashion, and fuel. Get up to 10% cashback on groceries, utilities, school fees and more.
• Buy 1 ticket and get 1 free for 12 tickets a month. Roxy also offers 20% off.
• You can choose from over 200 restaurants in airports around the globe.
• An extended warranty & purchase security will cover purchases made using the card.
• Get 30% off of dining, shopping, travel and entertainment from over 450 Partners.

Reward Features

Earn cashback when you spend AED 2,000 minimum per month.

• Cashback is based on the number of transactions.
• The minimum transaction amount is AED75
• Each merchant ID (MCC) has daily and monthly limits for the number of transactions.
• Maximum cashback per month is AED500.

Najm Platinum Cashback Card

Key Features

• Carrefour offers a Cashback Bonus of 1.5 % on all purchases and 3% on Tuesdays.
• Carrefour Exclusive Benefits including dedicated checkout counters, free unlimited Valet Trolley & Other Offers
• Buy 1 ticket and Get 1 at VOX to receive 12 tickets within a month. Also, avail 20
• With this card, customers can get discounts at several Golf clubs worldwide. There are 14 golf clubs in the UAE
• Get 30% off of dining, shopping and entertainment from over 450 Partners
• Hotels.com is offering an 8% Discount on Hotel Bookings
• You can choose from over 200 restaurants in airports around the globe.
• Visa Luxury Hotel Collection offers
• Visa Offers MENA mobile application: 2 for 1 Entertainment Offers
• Anghami Plus – 4 months for free
• Extended warranty and Purchase Protection on Card-Purchased Items

Reward Features

Earn Cashback (Subject to a minimum total spend of AED 2,00 per month).

• Every AED 1 you spend in Carrefour will earn you 1.5%, and every AED 1 spent anywhere else will earn you 0.5%.
• Carrefour Doubles your Cashback every second Tuesday (i.e., Earn 3% cashback.
• Carrefour vouchers are redeemable up to AED200 per month.

Najm Platinum Plus Cashback Card

Key Features

• Carrefour offers a 3 % cashback on all purchases and 6% on Tuesdays.
• With this Card, customers can get discounts at several Golf clubs worldwide. There are 14 golf clubs in the UAE
• Carrefour Exclusive Benefits including dedicated checkout counters, unlimited valet trolley for free & more
• Carrefour is offering extra Cashback for all purchases
• VOX Cinemas is offering up to 2 Buy-One-Get-One-Free tickets & Popcorn
• Buy 1 ticket and get 1 free for 12 in a month. Roxy also offers a 20% discount
• Get 30% off of dining, shopping and entertainment from over 450 Partners
• You can choose from over 200 restaurants in airports around the globe.
• Visa Luxury Hotel Collection Offers
• Visa Offers MENA mobile application: 2 for 1 Entertainment Offers
• Anghami Plus – 4 free months
• Extended Warranty & Purchase Protection for purchases made using the Card
• Hotels.com is offering 8% off on all hotel bookings

Reward Features

Earn Cashback when you spend AED 2,000 or more per month.

• Every AED 1 you spend in Carrefour will earn you 3% cashback, and every AED 1 spent anywhere else will earn you 1.5%.
• Carrefour Doubles your Cashback every second Tuesday (i.e. Earn 6% Cashback.
• Carrefour Vouchers can be redeemed up to AED500 per month.

Najm Voyager Platinum Credit Card

Key Features

• Earn Voyager Reward points on all purchases & redeem them towards your travel purchases.
• With this Card, customers can get discounts on several Golf courses worldwide. 
• Buy 1, Get 1 tickets at VOX for 10 tickets monthly. Roxy also offers a 20% discount.
• You can choose from over 200 restaurants in airports around the globe.
• Visa Offers MENA mobile application: 2 for 1 Entertainment Offers.
• Anghami Plus: 4 months subscription free
• Extended Warranty & Purchase Protection for purchases made using the Card

Najm Voyager Signature Credit Card

Key Features

• Earn Voyager Reward points on all purchases & redeem towards your travel purchases
• Spend AED15,000 in your first 60 days and receive up to AED75,000 (AED750) Voyager Rewards Credit.
• The primary & supplementary card holders are entitled to 12 free visits each to over 1000 airport lounges worldwide.
• The Card allows customers to get discounts at several Golf clubs worldwide. 
• Get up to $5000 in travel insurance for you and your family
• The concierge service is available 24/7
• Protect yourself against card fraud (limit of $2,500 per incident, $4,000 total annual limit).
• Purchases made on the Card are eligible for extended warranty & purchase security
• Visit the Visa Luxury Hotel Collection
• Visa Offers MENA offers exclusive travel discounts & 2-for-1 entertainer offers.
• Subscribe to Anghami Plus for up to four months for free in your first year.
• Hotels.com is offering an 8% Discount on Hotel Bookings

FAQs

How to activate Najm’s Credit Card?

Activating your Najm Credit Card is a very simple affair. To begin with, try to identify the activation sticker that is most likely to be found on the card owned. It usually has some pictorial instructions and a number to call.
You can activate your card over the phone or on the Internet. If you want to call, use the customer service telephone with the credit card. Prepare to give some personal details for verification purposes.

Those who prefer electronic methods can visit the Najm site or use the mobile application. Input your login details or create an account if you do not already have one. After logging in, the new credit card activation procedure will prompt you to complete it. You may have to fill out the form with your card details and answer some security questions.

Once done, you will receive cool news that your Najm Credit Card is active and usable. Start using your card and enjoy all of its features at once.

How to Cancel Najm’s Credit Card?

It is easy to cancel your Najm credit card account. The first part of the list is to collect some information for some time, such as account numbers and personal identifiers. In this case, you will have to call customer service. You can get this contact information from the back of your card or its official site. Be prepared to wait for a while in busy hours.

After you are connected to a representative, state your desire to cancel the card. They might want to know why you want to do so or try to persuade you to stay intact. Be clear with it, and do not waver. Inquire about the outstanding balance, which is due after the card cancellation. These need to be cleared before the completion of this procedure. You must always ask for a copy of the email cancellation confirmation for recordkeeping purposes so that you do not get confused about the current status of your account in the future.

How to Close Najm Credit Card?

Closing your Najm credit card is easy if certain steps are implemented. First, search for the information relevant to your account, such as your card number and any activities that you have done recently. After you obtain the information needed, you can call Najm’s customer service using their hotline or website chat services or the FAQ offered. You must be prepared to tell them why you are closing the account, as certain representatives may require feedback.

After placing the closure request, especially through a live agent, ensure any outstanding balance is cleared. If there are any renewals of the payments on your card, cancel those bills and pay manually until you update the new card numbers when they come. Once the closure has been completed, monitor the credit report to see if appropriate changes have been made. Monitoring account activity helps to prevent any unpleasant surprises years later when one does not understand the cause of the high-cost credit reported under that account on their credit report.

How to apply for a Najm Credit Card

The process to apply for a Najm Credit Card is simple; it is done online or at the threshold of the latter. To begin with, head to the Official web page of Najm, where detailed information about various credit card options and their features will be provided.

Select the “Apply Now” option when you find the card you choose. Then, you will be provided with an application form. Correct personal and financial details are better because this will quicken the process.
You may also need to upload supporting documents such as identification and proof of income. Be prepared for some verification steps; these are standard practices to ensure security.

Also, keep checking your email after you apply. Within a few business days, Najm generally updates the application’s progress. If your application is successful, you shall be given instructions on using the new credit card once received.