Najm Voyager Platinum Credit Card

Najm introduced the Voyager line of Najm cards in order to address the travel need of its customer base. The Voyager Platinum Najm credit card allows cardholders to enjoy a myriad of benefits like discounted travel expenses including but not limited to flight tickets and hotel reservations.

As a subsidiary of the Majid Al Futtaim Group, not only does Najm enjoy the backing of a multi-billion dollar organization, but it also passes these benefits on to members of its Voyager Platinum Najm credit card.

Features of the Najm Voyager Platinum Credit Card

The Voyager Platinum Najm card offers an impressive variety of top of the line features such as:

• Easy Payment Plans (EPP): The Najm EPP allows owners of the Voyager Platinum Najm card to convert purchases of AED 500 or more into small monthly instalments. Najm credit card members can repay the instalments in tenors ranging between 3 and 12 months. What makes this such a lucrative feature is that the Najm EPP charges no interest. Cardholders may avail of the EPP feature at partnered merchants only.
• Balance Transfer: A Najm balance transfer lets members of the Voyage Platinum Najm credit card transfer their outstanding balance from other cards onto the Najm card. By doing so, cardholders can easily pay off their due at 0% interest. Cardholders may transfer up to 80% of the available Voyager Platinum Najm credit card limit, with a required minimum transfer of AED 2,000 at least.
• Loan on Phone: Unexpected expenses can be expertly managed with the Najm Loan on Phone feature. Through this feature, cardholders can request for up to 80% of their available Voyager Signature Najm card’s credit limit to be transferred directly into their account. Cardholders can repay this borrowed amount as monthly installments at low interest and tenors of 3 months to 36 months.
• Cash Advance: Owners of the Voyager Platinum Najm credit card can quickly withdraw cash at any Visa-accepting ATM in the world. Cardholders can withdraw 25% of their available Voyager Platinum Najm card limit as and when required.
• Supplementary Cards: As a Voyager Platinum Najm card member, customers can receive up to 5 supplementary Najm credit cards for free. The supplementary Najm cards are issued for family members of the cardholder and all of them share a common credit limit with the primary Voyager Platinum Najm card.

Benefits of the Najm Voyager Platinum Credit Card

Members of the Voyager Platinum Najm credit card are privy to a wonderful variety of Najm card benefits such as:

• Dining Discounts: With regularly updated offers across hundreds of leading airport dining establishments all over the globe, the Dine & Fly mobile app allows owners of the Voyager Platinum Najm credit card to find the very best deals no matter where they are. The app is available on all Android and iOS devices.
• VOX Cinemas Deal: The VOX Najm card offer allows cardholders to access two complimentary buy 1 Get 1 Free deals every month. The deal entitles cardholders to 2 free compli9mentary movie tickets and medium popcorns every month. Furthermore, the Voyager Platinum Najm card benefits also include a Visa offer, which allows the cardholder to purchase tickets at VOX Cinemas every Sunday at half price.
• Lifestyle Protection (LSP): Voyager Platinum Najm card payments are protected against unforeseen circumstances, indemnifying the cardholder from liability against the following:
  • Death: Under this cover, the Najm card payments are covered for up to AED 100,000.
  • Permanent Total Disabilities: Under this cover, the Najm credit card payments are covered for up to AED 100,000
  • Critical Illnesses: Under this cover, the Najm card payments are covered for up to AED 100,000.
  • Involuntary Loss of Employment: Under this cover, the Najm credit card payments are covered for AED 4,000 per month, up to 12 months.
  • Hospitalization: Under this cover, the Najm card payments are covered for AED 200 per day up to 60 days at most.
• Apple Pay: Najm Credit card users can use Apple pay on their iphones and apple watches allowing Najm cardholders to save time while shopping or making payments. It is easy, it is efficient and it is a lot more faster than swiping credit cards. This secure payment method allows cardholders to make purchases using a unique transaction code. It is contact less as it uses FaceID or TouchID and is accepted at most shopping and dining outlets in the country.
• Samsung Pay: As a Najm Voyager Platinum Plus Cashback Naj card owner, the cardholder can make payments directly through the Samsung Pay mobile app. The Samsung Pay app is available on numerous Samsung smartphones and smart-watches.  Credit card users can find the list of eligible Samsung devices that come with this benefit at Najm.ae.

Rewards and Offers of  the Najm Voyager Platinum Credit Card

As the Voyager Platinum Najm card offers are regularly updated, cardholders are advised to check back from time to time for updates and new offers:

• Low Annual Membership Fee: With an annual membership fee of AED 208.95, the Voyager Platinum Najm credit card is one of the most reasonably priced travel cards in the UAE market today. Cardholders may avail of world-class Najm card benefits for a nominal fee, allowing them to save like never before.
• Variable Interest: The monthly retail interest on the Voyager Platinum Najm card changes according to the status of the monthly Najm credit card payments. By clearing away at least 80% of the monthly outstanding Najm credit card balance, cardholders can continue to see a low 3.25% interest rate.
• Annual Fee Waiver: Najm is offering a complete waiver of the Voyager Platinum Najm credit card annual membership fee by meeting a minimum spending requirement of AED 10,000 within the first 60 days. The Voyager Platinum Najm card’s annual membership fee is AED 208.95.
• Lifestyle Offers: Voyager Platinum Najm card members may enjoy enormous discounts across dining, shopping, entertainment and many more categories of spending through the Lifestyle Najm card offers. The Voyager Platinum Najm card Lifestyle offers can be found on the Najm site.
• Visa Offers: Members of the Voyager Platinum Najm credit card also receive access to a large variety of offers from Visa. These Visa-provided Najm credit card offers can be seen on the Najm website.

Eligibility Criteria and Documents Required for the Najm Voyager Platinum Credit Card

Eligibility Criteria: The Voyager Platinum Najm card eligibility criteria are as follows:

• Age: The Voyager Platinum Najm credit cards are issued to applicants who are 21 years or above in age. Supplementary Najm card applicants, on the other hand, can be as young as 18 years of age.
• Income: Applicants are required to submit their employment and income details to qualify for the Voyager Platinum Najm card. The minimum monthly income requirement for this Najm credit card is AED 8,000.
• credit Score: A check of the applicant’s credit score is also carried out to determine their eligibility for the Voyager Platinum Najm card. On time repayments and available lines of credit can greatly improve an applicant’s credit score.
• Residence Status: Only UAE residents are eligible for the Voyager Platinum Najm credit card. The applicant will be asked to present their Emirates ID, passport and visa to confirm the same.

Documents Required: The following set of documents will be required to complete the online Voyager Platinum Najm card application:

1. ID Proof: Emirates ID.
2. Residency Proof: Copy of passport & visa.
3. Employment Proof: Original company-issued salary slip/salary
4. Income Proof: Original bank statement of the applicant’s personal account (latest month only).
5. Salary Account: Mini statement of the applicant’s salary bank account.
6. Second ID Proof: A labour card, UAE E-Gate pass, or company-issued ID.
7. Security deposit cheque.

The required documents for self-employed Voyager Platinum Najm credit card applicants are slightly different:

• ID Proof: Emirates ID.
• Residency Proof: Copy of passport & visa.
• Proof of Legitimacy: UAE Trade license
• Business Ownership Proof: Memorandum of Association, Power of Attorney or Percentage Share in Partnership
• Business Address Proof: The organization’s tenancy contract.
• Income Proof: 3 months of the organization’s latest bank statements; or 3 months of the applicant’s latest personal bank statements; or a copy of the bank statement, attested by the bank itself.
• Second ID Proof: A labour card, UAE E-Gate pass, or company-issued ID.
• Security deposit cheque.

Najm Voyager Platinum Credit Card Fees & Charges

Some of the important fees & charges applicable on the Voyager Platinum Najm credit card are:

• Annual Membership Fee: AED 208.95
• Minimum Monthly Income: AED 8,000
• Retail Interest (Monthly): 3.25% - 3.79%

* The retail interest on the Voyager Platinum Najm card remains at 3.25% per month if the cardholder continues to make Najm card payments that are 80% of the outstanding Najm credit card balance or more.

• Cash Advance Interest (Monthly): 3 % or AED 90 whicher is higher
• Foreign Currency Rate: 3 %

The full list of Voyager Platinum Najm card fees and charges is available under the ‘Schedule of Fees and Charges’ section of the Najm site.

FAQs on Najm Voyager Platinum Credit Card

Q1: How many supplementary Najm Voyager Platinum Credit Cards can I get?

Ans: Owners of the Voyager Platinum Najm credit card can have up to 5 supplementary Najm cards issued to them at no charge. All of the Najm credit cards - primary and supplementary, will share the same credit limit. Supplementary Voyager Platinum Najm cards can also be fixed with spending limits.

Q2: Is there any way for me to calculate how many Voyager Rewards I can earn with the card?

Ans: Customers, new and existing alike can refer to the Voyager Rewards calculator on the Najm website in order to accurately estimate how many Voyager Rewards they would earn in a month with the Voyager Platinum Najm credit card.

Q3: How can I make Najm Voyager Platinum Credit Card payments?

Ans: The Voyager Platinum Najm card payments may be made in any of the following ways:

• At Najm
  • Najm credit card payments can be made via the Najm card online banking portal.
  • Voyager Platinum Najm card payments can also be made through the Najm card mobile banking, available as an Android app and an iOS app.
  • The Najm credit card payment can also be mailed directly to Najm at PO Box 35995, Dubai, UAE in the form of a cheque. The cheque should be made out to ‘Majid Al Futtaim Finance LLC’.
• At 3rd Party Online Portals
  • Emirates NBD: BankNet
  • Mashreq Bank: Mashreq Easy Pay
  • HSBC: HSBC Online
  • Citibank: Citibank Online
• At Exchange Houses
  • UAE Exchange
  • Al Ansari Exchange
  • Redha Al Ansari Exchange
  • Al Ghurair Exchange
  • Al Fardan Exchange
• At select convenience stores
  • EPPCO
  • ENOC

Addresses for all of these Voyager Platinum Najm credit card payment outlets can be found on the Najm website.

Q4: Who do I contact if my Najm Voyager Platinum Credit Card is lost or stolen?

Ans: Cardholders should immediately contact local police authorities and the Najm credit card customer care staff if their Voyager Platinum Najm card has been misplaced. Najm will then block the card and issue a replacement Voyager Platinum Najm credit card at its own discretion.

The Najm card replacement fee is AED 78.75. The customer card Najm card contact number is 600-57-6256.

Q5: How do I cancel my Najm Voyager Platinum Credit Card?

Ans: The Voyager Platinum Najm card can be cancelled by requesting Najm in writing. Cardholders are required to cut all of their Voyager Platinum Najm credit cards (primary and supplementary) in two and return them to Najm along with the written request.

The Voyager Platinum Najm card will be cancelled after all outstanding balance and charges on the account have been cleared in full. Once the cancellation request has been processed, Najm will hold on to the security deposit amount for at least 60 days to allow any remaining charges to be processed.

Cardholders may also request for a Liability Letter from Najm, which clears them from any liability towards the Voyager Platinum Najm credit card. The liability letter can be obtained for AED 52.50.