Majid Al Futtaim Finance (Najm) – ONE Cash Back
Min. Salary 8,000 AED
Rate 3.25%
Annual Fee 313.95 AED
Cashback Yes
Balance transfer Yes
FX Rate 3%


  • Cashback rewards up to 10% on your purchases everything-everywhere
  • Cashback is automatically credited to your card statement every month
  • Cashback rewards starting from AED 75 for every purchase
  • “ Buy 1 Get 1 Free” offers on cinema tickets and popcorn in VOX cinemas


  • Cashback
  • Dining Privileges
  • Cinema Ticket


  • The annual fee applicable on this card is 313.95 AED
  • Up to 55 days of interest free period and minimum payment of 5% or 100 AED which ever is higher. The rate varies between 3.25% to 3.69%.
  • The more frequently you use Najm ONE, the more your cash back increases. Up to 10% cash back, directly credited to your card statement every month.
  • Transfer your balances to Najm ONE Cash back Credit Card and get preferential rates for 6, 9 or 12 months
  • The foreign currency rate applicable on overseas transactions is 3%.
  • You require a minimum salary of 8000 AED per month to be eligible for this card.
  • No miles rewards program on this card