Balance Transfer

Want to go on holiday? Concerned about your children’s tuition fees? Don’t worry – take a three-month break with Najm JCB’s payment holiday facility. Simply transfer your outstanding balances from other credit cards onto your Najm JCB Credit Card and enjoy freedom with a 0% interest for the first 3 months. It's fast, convenient and it saves you money.

The Balance Transfer Plan also offers unique benefits like:

Get 70% of credit limit transferred to any other Bank Credit Card.
No credit approval required
No lengthy documentation

To apply SMS ‘BT’ to 0502484330

Click here to download the Balance Transfer form

Click here to read the detailed Terms and Conditions

	Balance Transfer is a ‘Card Transaction’ initiated by the Cardholder via this form, which the Cardholder agrees to repay to MAF JCB in equal monthly installments or EMI
	The total of Balance Transfer amount along with the interest amount for the installment period will be changed to the Cardholder Credit Card reducing the available credit limit.
	The Interest Rate on the Balance Transfer is a flat rate.
	The total Balance Transfer amount cannot exceed more than 50% of the available Credit Limit.
	If the amount to be transferred as mentioned in the application form exceeds 50% of the available credit limit on the date of acceptance by MAF JCB, MAF JCB will automatically transfer only an amount equal to 50% of the Credit Card Cardholders available credit limit as authorized by the Cardholder in the application form.
	The Balance Transfer monthly installment amount will be part of the monthly ‘Minimum Payment Due’
	A processing fee of AED 50 or 2% of the transferred limit (whichever is higher) will be applied to your Card Account.
	MAF JCB shall not be held responsible for any fee or any service charge debited to the Credit Card Cardholders other bank Credit Card account due to a decline or a delay in execution of the Balance Transfer request.
	Credit Cardholder should continue to make the payments to the other bank credit card account until the credit cardholder receives a confirmation in their future billing statement that the amount has been credited.
	For account eligible for a fee waiver, annual fee will be charged and then reversed after the Balance Transfer payment is made.
	Approval of Balance Transfer and transfer amount is at the sole discretion of MAF JCB
	MAF JCB will attempt to resolve any dispute as per the Credit Cardholder Agreement and the above mentioned terms however not constricted to the above.


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