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overview-1Introducing the Corporate Card and Payment solution from Najm, a revolutionary new way of managing your business travel and expenses on the go.

With the Najm Corporate card solution, we provide innovative online travel, expense and reporting tools, enabling your company to benefit from unparalleled convenience, control and flexibility, saving time and effort.

Our portfolio of corporate products includes:

  • Corporate Card
  • Central Travel Account
  • Online booking and expense management
  • Mobile App to manage travel and expenses
  • Consolidated reports and access to analytics dashboard
  • + many more features and benefits that can be explored on our web site

A smarter Corporate Credit Card program

Enhanced with Visa Signature elite credit card benefits and integrated with Neo Travel & Expense solution, this comprehensive program enables faster end-to-end corporate travel bookings and simpler expense management through a unifying online system, saving you time and effort.
Easy planning for all business travel needs through Neo Travel, an online booking tool featuring a fast and intuitive interface, offering multiple options for flight, hotel and car hires; displaying alternatives that are compliant with your company policies.
Quick approval of travel plans handled online through an automated system, streamlining the process.
Effortless expense management with Neo Expense, our online expense management tool, makes creating and submitting expense reports easy.
On-the-go access to itineraries and expense management tools with the Neo mobile app makes managing travel plans and tracking business related expenses convenient at anytime, anyplace.

overview-2At Najm, we understand that managing, controlling and monitoring your organization’s travel and entertainment (T&E) spend is just as important as providing your employees with a globally accepted card and providing your staff with a great user experience and benefits. We are proud to present a wealth of benefits that will provide your card holders with a safe and smooth journey.

A wealth of travel benefits and exclusive privileges ranging from:

  • Comprehensive multi-trip travel insurance
  • Fast and easy online booking and expense management tools
  • Exclusive account management
  • 24/7 contact center
  • Accepted at over 37 million locations worldwide
  • Company liability waiver insurance
  • 12 complimentary airport lounge visits
    • You are entitled to 12 free visits every calendar year
    • Of the 12 entitled visits in the calendar year, the first visit is free and has no eligibility condition
    • To be entitled for the next 11 free visits, you need to complete one (1) international transaction in each calendar year
    • The minimum value of this transaction should be worth USD 1, which may include face to face, e-commerce, MOTO (Mail Order/Telephone Order), or any recurring transactions where the currency is not AED. This transaction may take up to 15 days to register with LoungeKey
    • Apart from the first free visit, if you utilize the balance of 11 visits without achieving the spend condition, the respective lounge access cost of USD 27 will be charged to your card
    • The LoungeKey access entitlement and the requirement to meet the eligibility condition will reset from January 1st in subsequent years
    • The benefit and eligibility conditions apply separately for the primary and secondary cardholders

For more information regarding LoungeKey, visit www.loungekey.com or download the LoungeKey App on Google Play or Apple iTunes.

Business traveler benefits embedded in your Corporate Card

neo-travel-booking-icons Enjoy world class service at the best fares, fees and rates when using your Corporate Credit Card to make purchases on the exclusive Neo Travel booking engine
icon-centralised-travel-booking 12 Complimentary visits across 1000+ airport lounges worldwide
neo-travel-booking-icons Get 15% off 4 rides with Careem with the promo code MAFCC, valid till December 2017 in the UAE, Egypt, Lebanon, Qatar, Bahrain, and KSA.
icon-centralised-travel-booking Complimentary 24/7 global concierge services saving you valuable time and effort. Call concierge toll-free at 800 0441 3487 or +9714 436 7222
vat-recovery-icon International VAT recovery solution
icon-centralised-travel-booking Enjoy exclusive offers on medical procedures from City Centre Clinic in Cosmetic Surgery, Dermatology, Dental, ENT (Ear, nose and throat) and Preventive Health Packages

Peace of mind with enhanced security features

icon-centralised-travel-booking Visa Payment Control protects against policy non-compliance, giving you complete control over your credit card transactions
icon-centralised-travel-booking Complimentary multi-trip travel insurance with medical and personal accident coverage of up to USD 500,000
icon-centralised-travel-booking Global emergency assistance in case of lost or stolen cards, with emergency card replacement in 3 working days and emergency cash disbursement from over 270,000 locations worldwide
icon-centralised-travel-booking Call centre representatives are on hand to assist you 24/7 by calling 600 569 009 within the UAE, or +971 600 569 009 while abroad



Gain access to the best fares, fees and rates without compromising on quality when using your Corporate Credit Card to make purchases on the Neo Travel booking engine

Embedded with cutting-edge technology and optimised for a smart mobile experience, the Neo Travel booking engine integrates with your Corporate Credit Card, thus streamlining the end-to-end process of planning your business trips. Featuring intelligent automation with Neo Travel, you can create policy compliant ‘door-to-door’ travel itineraries, and submit travel plans for approval on-the-go with just a click of a button.

icon-fast-and-intuitive-booking Fast and intuitive booking interface Search from thousands of travel options that adhere to corporate policies and reduce costs.
icon-search-mobile-app Mobile App Easily request, book and approve trips on the go.
icon-control-spend Control spend and ensure compliance Fully controlled travel spend with pre-set budget.
icon-reduced-costs-booking-fees Reduced costs with lower booking fees.
icon-reduced-costs-with-lower-ticket-rates Reduced costs with lower ticket rates.
icon-reduced-overall-travel-spend Reduced overall travel spend.

Book in 3 easy steps


  • Create your itinerary by entering where, when and how you want to travel and Neo Travel will instantly display flight, rail, hotel options in a single view
  • Customize your itinerary according to what is most important to you such as when your flight leaves or returns, when your meeting starts and ends, the length of journey or even the carbon footprint of your trip
  • Fine-tune your flight, hotel and car hire selection by expanding the options provided and choosing alternatives where needed
  • Add a taxi, bus or train transfer to your hotel or meeting location to get a full ‘door-to-door’ view of your travel plan

Submit and Book

  • Choose compliant options as Neo Travel highlights which ones fall within your company’s travel policy
  • Finalise and submit your travel plans for online approval. Upon approval, your tickets are automatically issued and all other reservations are confirmed through Neo Travel

Access on the go

  • Tap and swipe from the Neo mobile app to quickly access flight numbers, hotel images, driving maps or even a street view of your final destination

expense-managementFrom entertainment expenses to flights, hotels and taxi fare, your Corporate Credit Card gives you access to a complete online solution, drastically reducing the complexities associated with traditional expense management

With its cloud based technology, Neo Expense enables automated expense processing, bringing together all travel and expense information into a single view, transforming the way you do business.

Additionally, the Neo mobile app adds another layer of convenience, allowing you to capture and categorise receipts on-the-go and create claim reports to submit for approvals providing you with a seamless experience.

icon-instant-expense-auditing Instant expense auditing Automated solution eliminates the errors and inaccuracies caused by manual entry.
icon-corporate-card-payment-integration Corporate card & payment integration Expense items are prefilled from card charges and automatically validated by the company.
icon-approval-workflow Approval workflow Highly configurable tool that allows the company to define a multi-level workflow for approval and expense management.
icon-corporate-card-payment-integration Auto Expense Card users can easily attach a receipt image to each of their expenses, enabling claims to be processed faster and more accurately without having the need to type.

Expense in 3 easy steps


  • Open the Neo mobile app and capture the image of your receipts which automatically identifies the country, date, time and currency in which the transaction took place
  • Categorise each transaction using a clever icon system, then simply drag and drop icons onto the expense calendar to create your expense report


  • Use the Auto-Expense function to reconcile your credit card statement with digital receipts and data coming from your trip bookings to build a complete expense report in a few seconds
  • Review, refine and confirm your expense report by adding or amending transactional information where needed


  • Send your expense report from your computer, mobile device or via the Neo mobile app, automatically routing it for approvals


DragonPass – Dine & Fly: Enjoy dining offers at more than 200 airport locations globally with Dine & Fly. Simply download the Dine & Fly application on App Store & Google Play and register today to make the most of your travel experiences.
icon-centralised-travel-booking Jumeirah Hotel Offers: Enjoy up to 25% discount at selected Jumeirah Hotels across the world. Visit visamiddleeast.com for more information
icon-centralised-travel-booking Car Rental: Enjoy savings of up to 25% at Hertz, Sixt Rent A Car, Budget Rent A Car, Regent Car Rental and AVIS. Visit visamiddleeast.com for more information.
icon-centralised-travel-booking YQ (Meet and Assist) Services: Bid queues and hassles goodbye. Enjoy the convenience and efficiency of fast track immigration at over 450 international airports with yQ (meet & assist). Valid until 31 Dec 2017. Visit yqnowgroup.com for more information.
icon-centralised-travel-booking Visa Luxury Hotel Collection: Enjoy upgrades and VIP privileges at participating luxury boutiques hotels and resorts at Visa Luxury Hotel Collection. Visit visamiddleeast.com for more information
icon-centralised-travel-booking Agoda: Save up to 12% at over 985,000 hotels & vacation rentals worldwide with Agoda. Valid until 31 Dec 2017.


Golf Access: Enjoy a 30% at Jebel Ali Golf Resort. Discount applies to midweek tee times after 1 pm. Call +971 4 814 5048 for more information
icon-centralised-travel-booking Concierge Service: Take advantage of a host of services available to you over the phone or online, 24 hours a day, from anywhere in the world. Visit visamiddleeast.com for more information or call: Toll-free: 800 0441 3487. International Direct Dialing: +971 4 361 1234


Jumeirah Hotel Offers: Enjoy up to 20% discount at selected outlets in Jumeirah Hotels with your Visa Signature Card. Visit visamiddleeast.com for more information
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