How to pay school fees, rents, bills? Now get upto 70% of the available limit on your Najm JCB Credit Card transferred to your bank account.

With Loan on phone facility on your Najm JCB Credit Card, easy access to your credit card limit is a call away. Whats more, you can payback in small installments of upto 12 months at competitive interest rates, so you can live the life you always wanted.

To apply SMS ‘LOP’ to 0502484330 or call our Call Centre on 043160363

The Loan on Phone Plan also offers unique benefits like:

• Get upto 70% of credit limit as cash
• No processing fee or additional annual charges
• No credit approval required
• No lengthy documentation
• Fund transferred to your bank account

	LOP is applicable for debit of AED 1000 and above only
	Upto 70% off the credit limit can be transferred to UAE Banks only
	Loan can be converted to EPP with no processing fee
	Bank Charges Emirates Bank & NBD Account Transfer – No Charges All Other Banks - AED 20
	In case of early settlement of the Loan on Phone amount before the expiry of the entire tenure of the plan an early settlement fee of AED 200 shall be levied to the Cardholder Credit Card Account. Further all interest or fee charged towards installments pre-settled shall have to be borne by the Cardholders and no such charge will be waived off by MAF JCB.
	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.
	Approval of Loan on Phone 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.
	MAF JCB reserves the right to terminate the offer without any prior notice
	MAF JCB Terms and conditions apply