Majid Al Futtaim Finance offers a wide range of credit cards which are tailor made to suit the needs of the customers. The NAJM Visa Gold credit card offered by MAFF offers the best cashback rewards along with great savings with unique discounts for lifestyle expenditures. The card provides a wide range of benefits over various categories including entertainment and shopping.
Features of the NAJM Visa Gold Credit Card
Listed below are some of the important features of NAJM Visa Gold Credit Card.
- Annual Fee: NAJM Visa Gold credit card comes at an annual fee of AED 400.
- Interest Rates: The monthly interest charged on the credit card is 2.99%
- Credit Period: A credit period of up to 50 days is offered on the credit card.
- Cash withdrawals: The customer is allowed to make a withdrawal of 25% of the available credit limit on the card.
- Cash Advance fee: The cash advance fee charged on the card is 3% or AED 90, whichever is higher.
- Late payment fee: The customer will be charged AED 275 in case of late payments as late payment fee.
- Supplementary cards: One can avail 5 supplementary cards for free with no charges whatsoever.
- Balance transfer processing fee: The Balance transfer processing fee of up to 3% is charged on balance transfers.
- UAE residents who are above the age of 21 can apply for the card.
- The applicant should be earning a minimum salary AED 8,000
- The card offers an introductory 10% cashback on all your expenditures in the first 60 days of the card approval.
- Earn cashback of 4% when you spend at Carrefour and 2% cashback when you spend anywhere else.
Benefits of the NAJM Visa Gold Credit Card
- Insurance Benefits: NAJM Visa Gold credit card provides with you with travel insurance to ensure that you face no trouble while on the move. It offers cover against travel inconvenience that might be caused by delayed flights, lost luggage if you have purchased the air ticket with your credit card.
- Easy Payment Plan: Enjoy 0% Easy Payment Plan with your NAJM Visa Gold credit card. Make purchases above AED 500 and enjoy paying back in easy instalments of 3,6,9 or 12 months.
- Loan on phone facility- NAJM Visa Gold credit card has a special Loan on Phone feature through which the customer can access their credit limit by just a phone call. Repayment can be made at competitive rates of interest over 3 to 36 months.
NAJM Visa Gold Credit Card Rewards
Other than the regular credit card benefits, NAJM Visa Gold credit card comes with its own set of rewards. Listed below are some of the rewards offered on the credit card.
- Make payments with your NAJM Visa Gold credit card and avail 4% cashback on every AED spent at Carrefour stores & webstore and earn 2% cashback on every AED spent anywhere else.
- Gain access to exclusive checkout counter at Carrefour Hypermarkets by using your NAJM Visa Gold credit card.