Najm Platinum Cashback Credit Card

  • Minimum Salary AED 7,000
  • Salary Transfer No
  • Islamic No
  • Cashback Yes
  • Annual Fee 0
  • Rate


Spend Everywhere and Maximize your savings at Carrefour and live the platinum life with Najm Platinum Cashback Credit Card.

Main Benefit: Free for Life, Discounts in Carrefour

Point to Consider: No Miles with this card


Main Features:

  • Exclusive offers and dedicated checkout counters at Carrefour
  • Monthly cashback savings up to AED 200


Financial Features:

Annual Fees: Free for Life

Minimum Salary Requirement: AED 7,000

Retail Interest Rate:  3.25% will be charged on the outstanding amount on monthly basis after 55 days interest free period. The rate varies between 3.25% to 3.69%.

Minimum Monthly Payment: Minimum payment of 5% or 100 AED whichever is higher

Foreign Currency Transactions Rate: 3% per month, Applicable on oversees transactions only

Balance Transfer Fees: Yes, transfer your balances to Najm Platinum Cashback Credit Card and get preferential rates for 6, 9 or 12 months

Repayment Period: 25 Days from statement date

Purchase Protection: Purchase protection & extended warranty available


  • 3% Cashback every Tuesday at Carrefour
  • 1.5% Cashback every day at Carrefour. Save up to AED 200 every month*
  • 0.5% Cashback everywhere Visa is accepted


*Enjoy your cashback on a minimum spend of AED 2000 on a billing cycle.


Travel Benefits:

Airport Lounge Access: No

Travel Insurance: No

Meet & Greet Service: No

Other Travel Benefits:

  • Over 175,000 Expedia hotels with 9% exclusive discount at


Leisure and Entertainment Benefits:

Movie Tickets: Buy 1 Get 1 free on Vox cinema popcorn

Dining Privileges: 30% discount on dining, entertainment and travel from 450 partner merchants

Golf Benefits: Yes

Documents Required

  • Valid Passport & Visa Copy.
  • Emirates ID copy.
  • 3-month Salary bank statements.
  • 3-month salary slips. 

Additional Info

  • All info mentioned can change at any point in time as per the discretion of the bank. The Bank will determine eligibility.
  • All info above are subject to change. 

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