Introducing the UAE's only card that increases
your cash back everytime you use it

Najm ONE is the only credit card that increases your cashback as the number of transactions increase giving you monthly cashback savings directly credited to your statement


Simply spend as little as AED 75 per transaction to qualify. Number of transactions restart every billing cycle. For detailed Terms and Conditions of cash back, please CLICK HERE

All the cash back power you need in one card


Everything, Everywhere

Get 10% cash back on groceries, utilities, school fees, dining, fashion, fuel, online shopping, travel, international spends, and everything else you can think of.

Save AED 500

You could save AED 500 monthly

With Najm One, you could save AED 500 every month. The more you use your card, the faster you reach AED 500 monthly savings.

Automatic Credit

Automatic credit of cash back every month

Cash back is directly credited to your account every month.

Visa Quick Read

Featuring Visa’s Quick Read Design

For effortless online shopping with card number, expiry date, and security code at the back of the card.

Annual fee of only AED 313.95

Get started with Najm ONE today!

Maximise your cash back and get great benefits

Najm Movie Time

Enjoy Buy One Get One Free on tickets and popcorn at VOX Cinemas for up to 2 free tickets each month. View the terms and conditions for VOX offers.

Travel Discounts up to 30%

Make your travel bookings on our simple and comprehensive online travel portal,, which offers an end-to-end travel solution for flights, hotel bookings and more.

You can avail 0% EPP when you book with your Najm One Card. Click here to learn more.


Get up to 30% off on family entertainment, retail, dining, lifestyle and more with over 450 partner merchants with Najm Lifestyle. Click below to view discounts on


Health & Wellness


Get started with Najm One today!

Easy Payment Plans (EPP)

Shop heavy…pay light!

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

Get up to 70% of your available Najm Credit Card limit transferred to your bank account and take care of school fees, rent, or any other expenditure.

Cash Advance

Get up to 25% cash advance on your Najm credit card

Get started with Najm One today!

For your loved ones


  • Get up to 5 Supplementary Cards for your family. Download the form to apply for a Supplementary Card for your account.

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

Najm Online

  • 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


  • 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

The UAE Direct Debit System is a system that accords you the convenience of automating your monthly payments to your Najm Credit Card directly from your bank account ensuring your payments are cleared on your payment due date. Visit our UAE Direct Debit System page to learn more.


Global Emergency

Your Najm Credit Card is covered by a Global Emergency Assistance service, which covers reporting lost or stolen cards, emergency card replacement and emergency cash disbursement. Click here to learn more.


Najm offers you comprehensive Lifestyle Protection (LSP), which ensures that you and your loved ones are protected from the burden of debt in the event of an unforeseen tragic event. Click here to learn more.

My Guard

MyGuard is a comprehensive protection service offered by Najm that gives you complete peace of mind during times of crisis.

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 Service

Please see the Interactive SMS Service page.

Get started with Najm One today!

With over 1,000 payment locations paying for your Najm card is a breeze.

Get started with Najm One today!

Still haven't decided? Have a look at our Najm Platinum Cashback Cards


Compare CardsMaximize your savings and choose your preferred Card


Najm Platinum Plus Cashback CardGet 10% cashback, save AED 500 every month

Apply online