Note*: Effective November 1, 2020, the rewards programme for this credit card has ended.
Vouchers for Carrefour will no longer be earned for any transactions made with Najm Cashback Platinum or Platinum Plus credit cards. This applies to both Carrefour and non-Carrefour purchases.
Get Started with Najm Platinum Cashback Card Now!
Annual fee : Free for life
Maximize Your Savings
Visa Quick Read Design
Najm Exclusive Discounts
- 30% off on dining, shopping, travel and entertainment experiences from over 450 partners. To view a full list of discounts click here
- For Visa Platinum exclusive benefits click here
Digital Wallets
Enjoy easy and secure payments with our card-less solutions
Apple Pay is easy and works with the Apple devices you use every day. You can make secure purchases in stores, in apps, and on the web. Apple Pay is even simpler than using your physical card, and safer too.
Now, your phone is your card. Make contactless payments with your Samsung phones wherever you see the contactless sign.
Google Pay is the fast, simple way to pay on sites, in apps, and in stores using your Najm card, saved to your Google Account.
Fitbit Pay makes shopping at your favourite places more seamless than ever. You can use it anywhere you see the contactless payment symbol.
Your Garmin device is an important part of your everyday life, and now with contactless payment solution, you’ll have more uses for it than ever.
Now when you see this icon
at any site that accepts Visa, you can enjoy an easy, smart and secure checkout experience.
Additional Benefits
Visa Platinum Discounts and Benefits​​
Enjoy exclusive Visa Platinum discounts on:​​
Dining​​
- 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 ​​
Shopping​​
- 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 ​​
Travel​​
- 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 www.agoda.com ​
- 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​​
Lifestyle​​
- 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 on Visa Platinum, click here.​
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
Global Emergency
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
Over 1,000 payment locations. Click here to learn more.
   
- Access your Najm Card account on the go
- Pay your Najm Credit Card
- Pay your Etisalat and DEWA bills
- Convert your transactions into installments
