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Terms & Conditions – Cash credit
- Minimum one transaction to be done before the offer end date as specified in the SMS sent to you by Najm or as confirmed by a Najm representative over a phone call
- If the minimum transaction criteria not met within the offer period, the cash credit will be reversed from the card account
General Terms & Conditions
- For any queries, please quote reference number as mentioned in the SMS received by you
- This Offer is applicable only to selected Najm credit card customers (cardholders) to whom the Offer has been communicated. The Cardholders who have not received the Offer are considered ineligible.
- Offer validity is as stated in the SMS sent to the registered mobile number of the qualifying customer or as confirmed by a Najm representative over a phone call
- Spend can be made in multiple transactions as long as the total spend is equal to or greater than the spend criteria mentioned in the SMS received by you
- All Domestic and international spend will be considered as long as the total spend is equal to or greater than the minimum spend criteria mentioned in the SMS received by you
- Offer is valid on all transactions except cash withdrawals and quasi cash transactions
- Offer not valid on value added services such as Loan on Phone or Balance Transfer
- Not valid in conjunction with any other promotion or offers. If customer has received the reward for one campaign, he will not be eligible for rewards of another campaign during the same time period.
- Only purchases done using card mentioned in the SMS will be considered in this campaign
- Total spends done in the supplementary card during the campaign period will be considered
- During the promotion period and as of fulfillment date, Cardholders credit cards must be active and in good standing (i.e. not under any block) to consider eligible for guaranteed gift.
- Any dispute regarding the offer fulfillment should be raised within 60 business days of the campaign end date. Fulfillment is done based on sole discretion of Najm.
- Majid Al Futtaim terms and conditions apply