Last Updated on 24 August 2020

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) One Cashback Credit Card

Majid Al Futtaim Finance (Najm) Bank

WarningMessage This product is discontinued by the Bank

One Cashback Credit Card

Majid Al Futtaim Finance (Najm) One Cashback Credit Card
Interest Rate

3.25%

Minimum Salary

AED 8K

Fx Rate

3%

Annual Fee

AED 313.95

Balance Transfer

Yes

Cashback

Yes

Majid Al Futtaim Finance (Najm) One Cashback Credit Card
interest rate

3.25%

Interest Rate

min salary

AED 8K

Minimum Salary

fx rate

3%

Fx Rate

annual fee

AED 313.95

Annual Fee

bal transfer

Yes

Balance Transfer

cashback

Yes

Cashback

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

⭐ How do I claim the cashback earned?

A. Cashback earned is automatically credited to the account.

⭐ What are the annual fees on supplementary card?

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

⭐ What is the cash withdrawal limit provided on the card?

A. 25% of the credit limit can be withdrawn as cash.

⭐ Are there any fees charged on cash advance?

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

⭐ What are the interest rates charged on cash advance?

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

⭐ What is the processing fees on balance transfer?

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

⭐ What are the charges on lifestyle protection?

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

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