Back to school made easy!

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With Najm, paying for school or university fees will no more be a burden. Starting from 25 August to 30 September 2017, you can choose from two very rewarding ways to pay for your children’s school or university fees.

You can take advantage of the 0% EPP with Najm for up to 12 months with no processing fees OR you could avail interest-free LOP as per your preferred plans and pay back in convenient installments.

0% EPP:

  • 3 months on a min spend of AED 5,000 & above
  • 6 months on a min spend of AED 10,000 & above
  • 12 months on a min spend of AED 15,000 & above

LOP with 0% interest:

  • 0% LOP for school or university fees is applicable on AED 5,000 and above

Tenure:

  • 2.5% processing fee for 6 months
  • 3.5% processing fee for 12 months

It’s also the perfect time to shop at select Carrefour outlets; you will not only enjoy the many back-to-school discounts but you will also get a super cool digital saving bank if you are among the first 200 to spend AED 500 on stationary and school items.

In addition, you continue to save with the many offers available to you through our partners:

For any queries, please contact us and quote reference number 843

Terms and Conditions

0% EPP

  • For any queries, please quote a reference number 843
  • Offer is valid from 25 August – 30 September 2017
  • 0% EPP is subject to approval
  • Offer is only valid for select customers who have been notified of the offer via SMS or email
  • Minimum amount of transaction should be AED 5000
  • Offer is valid only on school or university fees’ transactions & customers may be asked for a proof of payment in case the school/university is not a part of the registered list of schools
  • 0% EPP should be booked on or before 15 October 2017
  • This offer is not valid in conjunction with any other promotions or offers

0% – Loan on Phone

  • Offer is only valid for select customers who have been notified of the offer via SMS or email
  • This offer is valid from 25 August – 30 September
  • 0% Loan on Phone for school or university fees/university is available for a period of 6 & 12 months only
  • Loan on Phone is applicable for an amount of AED 5000 and above only
  • Up to 80% of the available credit limit can be utilized for 0% Loan on Phone for school or university fees
  • 0% Loan on Phone for school or university fees/uni is only valid for cheques issued in the name of school/Uni, to which the fees are paid
  • In case of early settlement of the Loan on Phone amount before the expiry of the entire tenure of the plan, an early settlement fee of AED 100 shall be levied to the Cardholder Credit Card Account
  • Majid Al Futtaim Finance LLC. shall not be held responsible for any fee or any service charge debited to the Credit Card Cardholders by other banks due to a decline or a delay in execution of the Loan on Phone request
  • Approval of Loan on Phone and transfer amount is at the sole discretion of Majid Al Futtaim Finance
  • Majid Al Futtaim Finance LLC will attempt to resolve any dispute as per the Credit Cardholder agreement above-mentioned terms, however not constricted to the above
  • The Carrefour Offer is only available at select Carrefour stores in the UAE:
  • Carrefour, City Center Deira
  • Carrefour, City Center Midriff
  • Carrefour, Mall of the Emirates
  • Carrefour, City Center Sharjah
  • Carrefour Ajman City Center
  • Carrefour Marina Mall Abu Dhabi
  • Carrefour offer is only valid on school stationery spends of AED 500 or above done at Carrefour stores and spends should be done in single transactions during the promotion period
  • The free gifts will only be given to the first 200 customers at each of the select Carrefour stores
  • The free gifts will be handed over to eligible customers at the designated service desks of the selected Carrefour stores
  • Eligible customers will be issued auto slips at the Najm dedicated counters available at the listed Carrefour stores by which they will be able to collect their gifts from the Carrefour stores’ service desks
  • This offer is not valid in conjunction with any other promotions or offers
  • Majid Al Futtaim Finance LLC makes no warranties & assumes no liability or responsibility with respect to the products & services provided by partners/other entities participating in the program
  • Majid Al Futtaim Finance LLC & partners’ terms & conditions apply
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