0% Easy Payment Plan (also referred as 0% EPP) offer is applicable to all Najm Credit Cardmembers.

This offer is valid only at the participating merchant outlets.

The minimum spend threshold required for conversion of a transaction at participating merchant outlets and the tenor for which the 0% Easy Payment Plan is booked is as per the fixed minimum spend threshold and Easy Payment Plan tenor defined by the merchant.

Only single transactions done to achieve the minimum spend threshold at the merchant partner will be considered to convert the transaction to 0% Easy Payment Plan.

Multiple transactions done to achieve the minimum spend threshold at the merchant partner will not be considered for 0% Easy Payment Plan conversion.

If Credit Cardmember cancels the 0% Easy Payment Plan transaction, he/ she will be charged a foreclosure fee of AED 100.

If Credit Cardmember settles the 0% Easy Payment Plan transaction before the completion of the EPP tenor, he/ she will be charged a foreclosure fee of AED 100

Transactions done on supplementary Credit Card can also be converted to 0% Easy Payment Plan subject to meeting the minimum spend threshold and tenor as defined by the participating merchants.

It is the Cardholder's responsibility to ensure that he/she provides the correct and valid contact details to Najm cards in order to ensure that all communications related to this Offer or otherwise are received.

The Credit Cardmember eligibility in the promotional campaign shall depend on the good standing of the Cardmember Credit Card account with Najm during the period of the promotional campaign and during the period. Accordingly, the Credit Card should not be blocked and the outstanding balance of the Credit Card account should not be over the assigned limit.

Najm card reserves the right, at its absolute discretion, to amend, modify, vary and/or supplement these terms and conditions at any time without any prior notification to the Cardholder.

These Terms and Conditions are in addition to the standard Najm card credit card Terms and Conditions.

These Terms and Conditions are governed by and construed in accordance with the laws of the United Arab Emirates and the Emirate of Dubai.

In no event shall Najm card, any of its affiliates, or any of its officers, directors, employees or agents be liable for any loss, damage ore expense arising out of or otherwise related to this promotional offer.

Najm card does not offer or provide any warranties, or accept any responsibility or liability of any kind in respect of this promotional offer and hereby disclaims any and all express or implied warranties with respect of the same.

Najm card shall not be in breach of its obligations or otherwise be liable to conduct this promotional campaign, continue to offer this promotional campaign, or award any promotional gift pursuant to this campaign, or be liable to any Credit Cardmember as a result of any Force Majeure Event. A Force Majeure Event in these terms and conditions, shall mean circumstances beyond the reasonable control of Najm card including amongst other things, acts of God, industrial disputes, acts and regulations of any governmental or authority in any jurisdiction. In such circumstances, Najm cards obligations to its Cardmember shall automatically stand discharged without necessity to provide notice.