Step Up Your Savings

    • persentage icon Exclusive offers and dedicated checkout counters at Carrefour
    • icon_raffle VOX Cinemas Buy 1 Get 1 Free on popcorn
    • where to pay card icon Visa Platinum discounts on dining, shopping, travel & cinemas
    • Monthly cashback savings up to AED 200
  • 3% Cashback every Tuesday at Carrefour (All Carrefour stores, Carrefour Webstore, Carrefour Mobile app)
  • 1.5% Cashback everyday at Carrefour. Save up to AED 200 every month*
  • 0.5% Cashback everywhere Visa is accepted

* Enjoy your cashback on a minimum spend of AED 2000 on a billing cycle.

Maximize your savings at Carrefour

  • 3% Cashback every Tuesday at Carrefour (All Carrefour stores, Carrefour Webstore, Carrefour Mobile app)
  • 1.5% Cashback everyday at Carrefour
  • Dedicated Najm check-out counters at Carrefour. For list of Carrefour stores that have dedicated check-out counters, click here
  • Free unlimited Valet Trolley at select Carrefour stores with minimum spend of AED 250. For details and updated list of locations to avail Valet Trolley, click here.
  • Weekly category discounts of up to 10% as MyClub points
  • 0% EPP up to 12 months at Carrefour

All terms and conditions are subject to change without prior notice. All offers are made available on best effort basis and at the sole discretion of Majid Al Futtaim Finance LLC and Majid Al Futtaim Hypermarkets LLC. For detailed Terms and conditions of Carrefour related services, please CLICK HERE

Najm Movie Time
  • VOX Cinemas Buy 1 Get 1 Free on medium popcorn
  • You can enjoy up to 3 free popcorns per session when you buy 3 medium popcorns with your Najm Platinum Cashback Credit Card

For detailed terms and conditions of the Najm Movie Time offer please CLICK HERE

Travel Discounts
  • is your dedicated travel portal, offering you a one-stop shop for flights, hotel bookings and more
  • offers you a 9% exclusive discount on Expedia hotels and up to 50% travel discounts when you book your travel with your Najm Platinum Plus Cashback card on the portal
  • Do not forget to check your Visa Platinum travel benefits
Najm Discounts

30% off on dining, shopping, travel and entertainment experiences from over 450 partner merchants. Click below to view discounts on:

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

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 Services

Please see the Interactive SMS Service page.

Visa Platinum Discounts and Benefits​​

Enjoy exclusive Visa Platinum discounts on:​​


  • 20% discount at 90+ Time Out Dining merchants ​
  • 20% discount for stay and dining at Jumeirah Group Hotels ​
  • 20% discount at 30+ Meraas Food and Beverage outlets across City Walk, The Beach, Box Park, Last Exit and The Outlet Village ​​


  • Extended Warranty – USD 5000 per year, USD 2500 per occurrence
  • Purchase Protection – USD 20,000 per year, USD 5000 per occurrence  ​
  • Global Merchant Offers – 10% discount on Chic Outlets across 9 luxury brand outlets ​​


  • DragonPass airport dining discount offers across 200+ airport restaurants. You may download the DragonPass App via Google Play or the App Store and register your Visa card.​
  • 10% discount across 985,000 hotels worldwide on ​
  • 15% discount with YQ airport services such as meet & greet, visa on arrival, limos, and much more​
  • 20% discount on Avis Car Rental: 10% discount on domestic rentals and 10% discount on international rentals​
  • Privileges across the Visa luxury hotel collection including exclusive room rates, VIP Guest status, automatic room upgrade upon arrival when available and much more​​


  • 50% discount on Sundays at VOX Cinemas. For more information, visit​​
  • 20% discount from Sunday to Thursday at Roxy Cinemas valid for ‘The Set’ and ‘Editor’s Suite’ experiences​
  • 20% discount at Meraas Leisure and Entertainment outlets across City Walk, The Beach, Box Park, Last Exit and The Outlet Village. ​
  • Golf – Discount on green fees across 11 golf courses​

For more details and conditions of use, please refer to Visa Platinum.

Your Najm Credit Card gives you the convenience of paying as little as 5% of your outstanding balance each month and carrying forward the balance to the next billing cycle. You can make payments for your card outstanding amount through any of our 1000+ convenient channels as follows:

Click Here to view all payment locations.

Download our app or access Najm Online from your computer to manage cards and payments.

appstore logo   googleplay

  • Access your Najm Card account on the go
  • Pay your Najm Credit Card
  • Pay your Etisalat and DEWA bills
  • Convert your transactions into installments
Calculate your cashback based on your monthly spends
First 60 days Introductory cashback offer
Carrefour spends (AED) 0.00 0.00
Elsewhere spends (AED) 0.00 0.00
Total Savings (AED) 0.00 0.00
Annually after 60 days
Najm Tuesdays Monthly Total (AED) 0.00 0.00
Monthly Carrefour spends (AED) 0.00 0.00
Monthly Other spends (AED) 0.00 0.00
Total Monthly Savings (AED) 0.00 0.00
Total Annual Savings (AED) 0.00 0.00

Annual Fee : Free For Life

Get started with Najm Platinum today!

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


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

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