Use your Najm Gold Credit Card and earn 2% cash back on every AED 1 of retail spend at Carrefour Hypermarkets and 1% cash back on every AED 1 of retail spend everywhere else. The reward points earned will be automatically redeemed, through a Carrefour voucher sent along with your monthly statement once you accumulate points valued at AED 100.
Maximum cash back earning of AED 250 per month
Illustration
| Card Type |
Rewards Rate |
|
| Najm Gold Card |
2% at Carrefour & 1% everywhere |
|
|
Spend at Carrefour |
Cash back Earned (AED) |
Spend Everywhere else |
Cash back Earned (AED) |
Total Spend (AED) |
Total Cash back (AED) |
| Spend |
12500 |
12500X2%=250 |
0 |
0 |
12500 |
250 |
| Spend |
5000 |
5000X2%=100 |
15000 |
15000X1%=150 |
20000 |
250 |
In any particular month the maximum cashback received by a Gold credit card holder will be AED 250. Any additional cashback points earned in that particular month will not be carried forward to the next month.
* Terms & Conditions apply
You will receive: Magic Planet voucher worth AED 100.
To activate your Najm Gold Credit Card, call +971 04 316 0363.
Welcome voucher only applicable to new card accounts
Use your Najm Gold Credit Card at Carrefour Hypermarkets and beat the cue by gaining access to the exclusive check-out counter accessible only by Najm Credit Card members.
Enjoy 0% installment payment plan, up to 6 months for purchases over AED 1000 at Carrefour webstore.
Exclusive discounts and privileges:
i. 30% off on all purchases at Ski Dubai including food & beverages at St. Moritz Café, Avalanche Café and merchandise at equipment specialist Snow Pro.
ii. Up to 25% off at MAF Fashion stores - Mexx, XX by Mexx, Lucky Brand Jeans, Fat Face, Monet & Co., Liz Claiborne and Jane Norman.
iii. Up to 25% discount at Playnation – IFLY, Little explorers, Sky Trail and Soccer Circus.
iv. Triple credit at Magic Planet on purchase of AED100 credit.
v. 60 bonus credits for every AED100 worth of credit purchased at Aquaplay.
vi. CineStar Discounts and privileges:
- Upgrades to VIP seating at CineStar cinemas in Dubai.
- Popcorn and drink upgrade from medium to large
- 10% off on CineStar Gold Class cinemas.
- 10% off at cinema café across Dubai.
Convenience
Safety and Security
Life Style Protection:
Comprehensive Lifestyle cover:
Travel Insurance**:
Your Najm Visa Gold Credit Card provides you with Travel Insurance tailored to cover you from any unforeseen occurrences, offering you convenience, comfort, peace of mind and compensation for any travel inconvenience caused due to delayed flights and delayed and/or lost luggage when your purchase your ticket on any common carrier using your Najm Visa Gold Credit Card.
| Occurrence |
Benefit |
| Per Accident (common carrier) |
Up to $250,000.00 |
| Travel Delay |
$25.00 per hour maximum $150.00 |
| Baggage Delay |
$25.00 per hour maximum $150.00 |
| Lost Baggage |
$300.00 ($150.00 per bag & $15.00 per item) |
| Lost Passport |
$500.00 |
Shield yourself against any unauthorized, online and face-to-face transactions, made on your lost or stolen Najm Visa Gold Credit Card.
If the Najm Visa Gold Credit Card is lost or stolen, the card member will be reimbursed any unauthorized charges or transactions made on the lost or stolen payment card, up to 12 hours prior to the Insured card member first reporting the event.
This coverage is valid 24 Hours/Worldwide.
Purchase Protection**:
Protect both your Local and International purchases, on your Najm Visa Gold Credit Card, against damage, theft and fire with your complementary Purchase Protection feature.
The purchases above $500 on your Najm Visa card are covered from loss due to theft & accidental damage for 90 days from the date of purchase as stated on the store receipt.
This coverage is valid 24 Hours/Worldwide.
** Only applicable to Najm Visa Credit Cards
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