Note**: The Najm ONE card has been discontinued.
If you are looking for information regarding your Najm credit card, please contact us through our customer care channels.
UAE’s only card that increases your cash back everytime you use it
Najm ONE is the only credit card that increases your cash back as the number of transactions increase giving you monthly cash back savings directly credited to your statement
Get started with Najm ONE today!
UAE’s only card that increases your cash back as the number of transactions increase.
Is this the right card for me?
Cash back Savings
- Get 10% cash back on groceries, utilities, school fees, dining, fashion, fuel, online shopping, travel, international spends, and everything else you can think of
- Cash back is directly credited back to your credit card account every month
- Earn cash back of up to AED 500 every month. The more you use your card, the faster you reach AED 500 monthly savings
VOX Cinemas Offer
- Najm VOX Cinema offer – Buy One Get One Free Cinema ticket and Popcorn ANY day. For detailed terms and conditions, please click here
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Visa Quick Read Design
Najm Exclusive Discounts
Mobile Wallets
Enjoy easy and secure payments with our card-less solutions
Samsung Pay
Additional Benefits
Easy Payment Plans (EPP)
A new LCD television, a computer or diamond jewellery - something new and exciting always brings more smiles all around.
Please note that effective 1 March 2018, transactions converted to 0% installment plans will not earn reward points/cashback.
To apply for an Easy Payment Plan, login to Najm Online or call Najm Call Centre at 600 57 NAJM (6256).
To learn more, visit our Easy Payment Plans (EPP) page.
Balance Transfer
Want to go on holiday? Concerned about your children’s tuition fees? Simply transfer outstanding balances from other credit cards to your Najm Credit Card.
Loan On Phone
Cash Advance
You can withdraw cash from ATMs worldwide that have the Cirrus logo*
*Cash withdrawals are subject to a withdrawal fee of AED 90 or 3% of the amount of any cash withdrawal, whichever is the greater, on every cash withdrawal.
For your loved ones
Supplementary
- Get up to 5 Supplementary Cards for your family.
Gift Cards
- Choose from a wide selection of gift cards and designs. Visit Premo Gift Cards to know more.
Prepaid Cards
- Choose from a wide range of prepaid cards available. Visit Premo Gift Cards to know more.
Online Services
- At a click or on-the-go, our desktop and mobile solutions are simple and secure, offering you instant access to your credit card account. Pay your Najm card bills, DEWA bills, Etisalat bills are more at a click of a button. Visit Najm Online to learn more
Premo
- The Premo online market place offers a full range of prepaid, gift, virtual and soon to launch reloadable cards. With Premo’s gift card range you can find the perfect gift for any occasion and it is the only place in the UAE where you can completely customize your gift card with your own images. Click here to learn more.
Direct Debit
Insurance
LSP
My Guard
Wallet Protection
As a Najm customer you will be covered for:
- Fraudulent charges – Any unauthorized transaction on your credit card leading to financial loss, as a result of theft of your card up to 24 hours prior to your first reporting will be reimbursed to you
- Identity Theft – Expenses incurred as a result of your efforts to resolve your identity theft and shall be reimbursed to you. This will also cover losses incurred due to unauthorized opening of bank or credit accounts through your stolen identity
- Lost Wages – Unpaid time taken off work solely as a result of your efforts to correct your financial records as a result of your identity theft shall be reimbursed to you
- ATM Assault including First Aid – We will reimburse you for the money you withdrew with your payment card from any ATM in UAE, that was stolen as a result of a robbery and if you incur bodily injury during a robbery, we will reimburse you for emergency first aid
- Accidental Death – Your beneficiaries will receive compensation in the event that the insured's injury resulting from the robbery results in death
Takaful Protection Plan (Personal Accident Cover)
Najm covers you for unexpected events such as accidental insurance on all forms of disability or loss of life. For more information on our Terms and Conditions click here.
Interactive SMS Services
*Payment through 3rd party channels (including and not limited to exchange houses, online banking, petrol stations, CCDMs or others i.e ENOC, EPPCO, Emirates NBD/Mashreq/CITI/HSBC online banking and Emirates NBD CCDMs) are subject to charge of AED 3.15 per payment.
Over a 1000 payment locations
*Payment through 3rd party channels (including and not limited to exchange houses, online banking, petrol stations, CCDMs or others i.e ENOC, EPPCO, Emirates NBD/Mashreq/CITI/HSBC online banking and Emirates NBD CCDMs) are subject to charge of AED 3.15 per payment.
Download our app or access Najm Online from your computer to manage cards and payments.
- Access your Najm Card account on the go
- Pay your Najm Credit Card
- Pay your Etisalat and DEWA bills
- Convert your transactions into installments