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For information on other CBD Credit Cards that you are eligible for – click here.

Terms & Conditions

• By accepting this offer online, over the phone, by SMS or otherwise, Najm Credit Card customers confirm their approval and consent to the offer and terms set out by Majid Al Futtaim Finance LLC (“MAFF”) and Commercial Bank of Dubai (“CBD”).
• Customers further authorize MAFF and CBD to perform all of the following:
  • for MAFF to provide customer’s all personal and financial information to CBD.
  • for CBD to complete a credit card application on customer’s behalf.
  • for CBD to issue a new credit card in customer’s name.
  • for MAFF and CBD to transfer the full outstanding balance due on customer’s Najm card(s) to CBD.
  • for MAFF to provide CBD with all of customer’s KYC documents available to MAFF including copies of passport, residency, Emirates ID, application form(s), and for MAFF to cancel customer’s Najm credit card(s) and close the card account(s) (and the Banque of Misr bank account if applicable) and to destroy any cheque(s) issued by customers and provided to MAFF.
• The foregoing applies in full to any supplementary cards and supplementary cardholders.
• CBD is offering the credit cards to Najm customers for free for life and this offer is only applicable for customers that are opt-in for the CBD Credit card through this programme.
• Najm customers that are transferring their credit card to CBD are eligible to receive a Carrefour voucher worth AED 300 subject to activating the card and spending AED 5,000 or more in first 90 days post receiving CBD credit card.
• The voucher will be shared with eligible customers post 90 days after issuance of the credit card.
• Najm will be discontinuing all reward programmes, Cashback reward programme for Cashback Platinum and Platinum Plus credit cards and Voyager reward programme for Voyager credit cards, effective November 1, 2020. Customers will no longer earn cash back points or reward points for purchases made on Najm Credit Cards from this date.
• Eligible customers with Platinum or Platinum Plus Cashback credit cards will receive the final voucher along with November billing statement and this voucher will be valid to use for three months.
• The statement date/ billing cycle for CBD Credit Card will be different than Najm credit card and will be informed by CBD as part of the welcome pack.
• Any existing direct debit instruction for payment towards Najm credit cards will be cancelled and customers will be required to register for new direct debit instruction for payment towards CBD credit cards.
• Najm customers who are enrolled for Credit Shield insurance on their Najm Credit cards will be automatically enrolled for Credit Shield on their CBD credit cards.