 How can I apply for Najm JCB Credit Card?
You can apply in the following ways:
1) Pick up an application at any of the Najm Kiosk at all Carrefour in UAE or in the following shopping malls
 Deira City Centre
Mall of Emirates
Sharjah city Centre
Ajman City Centre
2) You can ask for the contact from our staff through website.
| Application Form |
| Passport Copy with visa page |
| A Second ID can be labour card & in case of free zone (Jafza, Dafza, Technology and Media, DIC, DMC, U.A.E E-Gate pass
& Identification Card’s from large corporate). |
| Original Salary certificate on company letter head or copy of salary certificate, where original is signed by an authorized staff of MAF JCB, or, original carbonized current month pay slip. |
| 1 month latest Original Personal Bank Statement, where the salary is shown. |
| Mini Statement from the same Bank Account |
| Security Cheque |
| Application Form |
| Passport Copy with visa page |
| A Second ID can be labour card & in case of free zone (Jafza, Dafza, Technology and Media, DIC, DMC, U.A.E E-Gate pass
& Identification Card’s from large corporate). |
| Trade License with applicant name |
| Page of percentage share in partnership, or Memorandum of Association, or Power of Attorney. |
| Business Tenancy Contract in applicant's Company name. |
| 3 months Original Company Bank Statements, or 3 months Original Personal Bank Statements, or copy of Bank Statement stamped by the bank along with a mini statement with matching transactions. |
| Security Cheque |
How can I have Supplementary Credit Cards for my family?
Simply complete the section called Supplementary Cards on the Application Form. Ensure the Supplementary Cardmembers passport copy is attached.
Is there a fee for Supplementary Credit Cards?
The supplementary on your Najm JCB Credit Card is free.
Can I apply for the Najm JCB Credit Card on-line?
Yes, you can fill the online application form on our website, however, as we need to have an original of your signature on file, one of our representatives will shortly get in touch with you to take you through the application process and assist you in filling the application form. Once we receive your application form and provided that you have enclosed all the required documentation, you should receive your Najm JCB Credit Card in approximately 7 days.
How will I know my Credit Limit?
Your Credit Limit will appear on the Card Carrier containing your new Najm JCB Credit Card. It will also be clearly shown at the top of your monthly Statement of Account.
How many days do I have to make a payment from the time my statement is produced?
Payment can be made any time from the Statement date but at least the minimum payment amount must be received within 25 days from the Statement Date. If you do not make a payment by the due date you will be charged a late payment fee of AED 120 and interest will be charged on the outstanding balance.
What should I do if my Najm JCB Credit Card is lost or stolen?
Please report the incident to our call centre immediately (04-316 0363). A replacement Najm JCB Credit Card will be sent to you, usually within 3-4 working days. There is no charge for this replacement of Najm JCB Credit Card.
Can I use the Najm JCB Credit Card to withdraw cash?
Yes, you can withdraw cash from ATMs worldwide that have the Cirrus logo. You can withdraw up to 30% of your Credit Limit. Subject to a withdrawal fee of AED 50 or 3% of the amount of any cash withdrawal, whichever is the greater on every cash withdrawal.
How do I know my current Card account balance?
You can call us on 04 316 0363 to check your balance and / or to check any other Credit Card related inquiries, alternatively, you can log on to www.najmjcb.com for online banking services.
How can I earn Najm Points on my Najm JCB Credit Card?
Najm Points give you real rewards that are simple to redeem.
Carrefour and MAF Fashions outlets: AED 1 = 2% Cashback
Everywhere else: AED 1 = 1% Cashback The amount of Najm Points that you have earned and accumulated from spend on the Najm JCB Credit Card will appear at the end of your monthly Statement of Account, following all other transactions.
How can I redeem my Najm Points?
Every time you reach 5,000 points, a Carrefour Voucher will be sent to you along with your statement. This voucher will be valid for 90 days from the date of the statement. The Points section on the statement will also reflect the amount paid out as Najm Points.
Do I accumulate Points on all my transactions?
Virtually all transactions will allow you to earn Najm Points. Therefore, the more you shop, eat out, etc, the more Points you will earn. However, cash transactions, payments, Card Fees, interest charges and late payment charges do not accumulate Najm Points.
Can I give a voucher to someone as a gift?
No, this is a personal voucher which can be redeemed either by you or your supplementary(s) only.
Can I exchange my voucher for Cash?
No, the voucher can not be exchanged for cash.
What is the 0% for 6 months Easy Payment Plan & how can I avail this?
0% for 6 months EPP (Easy Payment Plan) is a new payment feature on the Najm JCB Credit Card valid at select merchant outlets. Cardmembers will now be able to pay for big-ticket items purchases through a 0% easy installment plan for 6 months. If you are a Najm JCB Cardmember, you will be able to avail this facility. To apply now, click here.
What is the 0% for 6 months Easy Payment Plan with Carrefour & how can I avail this?
0% for 6 months EPP (Easy Payment Plan) is a new payment feature on the Najm JCB Credit Card with exclusively with Carrefour and exclusively on electronic items through which Cardmembers will now be able to pay for big-ticket electronic item purchases through a 0% easy installment plan for 6 months. If you are a Najm JCB Cardmember, you will be able to avail this facility. To apply now, click here.
Am I required to make purchases at selected merchant outlets?
Yes, the 0% for 6 months EPP is available at select merchant outlets. Please click here to see the list of outlets & detailed EPP Offers. The transactions should be on Najm JCB Credit Cards to enable you to take advantage of the 0% EPP facility.
What is a high value purchase & is there a minimum purchase amount to avail the EPP facility?
By high value purchase, we mean any purchase that is equal to AED 1,000 or more. This is the minimum amount of purchase that needs to be made with the Najm JCB Credit Card at select merchants to avail the 0% EPP facility. Minimum purchase amount varies for every merchant. Click here, to see the list of outlets & detailed EPP Offers.
Do I have a choice for the installments?
Currently, the 0% EPP on your purchase transaction will be converted to 6 monthly installments as soon as you fill the EPP Form and send it to MAF JCB.
Do I have to fill any forms to avail EPP facility?
Yes, you need to sign the 0% EPP form available at the cashier to avail EPP facility.
Will I be paying more interest for EPP facility?
No. The EPP transaction will incur 0% interest for 6 months. After this period, you will be charged the prevailing interest in the event there is a balance amount after 6 months.
How do I enroll for the 0% EPP?
Just make purchases at our select merchant for the required purchase amount by using your Najm JCB Credit Card and fill in the EPP form provided by the cashier. This transaction will be deferred with 0% interest for 6 months. Your installments will reflect on your monthly statements. Minimum purchase amount varies for every merchant. Click here, to see the list of outlets & detailed EPP Offers.
Do I have to pay any administrative fees or are there any hidden costs?
There are no administrative fees & hidden cost to this EPP Program.
Can I choose to repay the pending installments all together in advance?
Yes, you can choose to repay the amount charged to the EPP program in advance. Nevertheless, you would need to pay the prevailing foreclosure fee.
How will I know that my purchase transaction has been transferred to 0% EPP Program?
There are two ways of confirming your transaction. You can either call our 24-hour Call Centre or see the same in you monthly bill.
Can I have multiple installments transaction on my Najm JCB Credit card?
Yes, you can have multiple numbers of transactions on 0% installments under the EPP Program provided that the transactions falls within the available credit limit on your Najm JCB Credit Card.
Can I opt for the 0% EPP throughout the year at the Merchants?
No, the 0% EPP offer has a different validity date at each merchant enrolled for the EPP Program and you can avail the 0% EPP only during this period only.
Do I earn Najm points when I sign-up for the 0% EPP Program?
Yes, if you are a fee paying Cardmember you will earn Najm points on the principal portion of the installment.
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