Get started with Voyager Signature today!
Annual fee of only AED 523.95
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.
All Voyager Signature Benefits
Voyager welcome rewards
- Get 30,000 Voyager Rewards when you pay the annual fee on the due date.
- Get 15,000 Bonus Spend Rewards when you spend AED 15,000 within the first 60 days. The spend condition can be met through multiple transactions and at different merchants as long as the cumulative transactions meet or exceed the amount of AED 15,000. Cash withdrawals, financial charges, balance transfers, quasi cash, loan on phone and cash advances will not be considered part of the spend criteria. Only retail purchases will qualify as eligible transactions. Please remember to pay at least the minimum amount due on your card regularly, to ensure you are eligible for this offer.
- Get balance 30,000 Regular Spend Rewards on transactions made during the billing cycle.
- Only primary and valid Voyager Signature Credit Cards will be eligible for this offer.
- Existing Voyager Credit Card holders and Majid Al Futtaim Finance LLC´s staff are not eligible for this offer
- Earn 3 Voyager Rewards for every Dirham you spend overseas
- Earn 2 Voyager Rewards for every Dirham you spend locally
- Earn 1 Voyager Reward for every Dirham you spend on utility bill payments, school fees, e-government spends and fuel purchases
12 complimentary visits across 1000+ airport lounges
Please note the recent changes by Visa on LoungeKey access and entitlement for all Signature cardholders.
The below changes have been implemented effective January 1st, 2019:
- 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
Dine & Fly
Global Emergency Assistance
Global ATM Network
Multi-trip Travel Insurance
Travel with peace of mind and protect yourself against unforeseen circumstance with the complimentary medical and personal accident cover of up to USD 500,000.
More VISA Benefits like Golf discounts, savings on Agoda and hotels.com, Extended Warranty and Purchase Protection and many more savings and discounts on entertainment, dining and shopping.
Complimentary Concierge Services
VOX Movie 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.
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
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
- Get up to 5 Supplementary Cards for your family. Download the form to apply for a Supplementary Card for your account.
- 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 is an online market place that offers you a variety of prepaid cards in both physical and virtual form. They are the perfect gift for any occasion and it’s the only place in UAE which let’s your customize your gift card with your own image
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.
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