How can I earn Najm Points on my Najm Credit Card?

You will earn Najm cash back points every time you make a retail purchase. You can earn up to 4% cashback on your spends.

On a Najm Gold Card:

  • Carrefour Hypermarkets: AED 1 = 4% Cashback
  • Everywhere else: AED 1 = 2% Cashback

A minimum spend of AED 2000 is required to earn Cashback.

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