Your spending,
your way.
A Visa debit card with contactless payments, worldwide acceptance, and zero liability protection — all backed by Najem Financial's industry-leading security.
Shop in-store, online, or abroad with confidence. Tap to pay, manage your card from the app, and enjoy real-time transaction notifications every time you spend.
Everything you need in one card
Your Najem Financial Visa debit card is packed with features designed to make everyday spending simple, safe, and rewarding.
Contactless Payments
Simply tap your card on any contactless terminal to pay in under a second. No PIN required for smaller purchases — fast, hygienic, and incredibly convenient at millions of locations worldwide.
Worldwide Acceptance
Accepted at over 46 million merchants in more than 180 countries. Whether you're shopping locally or travelling internationally, your Najem Financial Visa card is always welcome.
Zero Liability Protection
You're never responsible for unauthorised transactions. Visa's Zero Liability policy means if your card details are misused, you won't pay a cent — providing total peace of mind with every purchase.
Real-Time Notifications
Receive an instant push notification for every purchase, ATM withdrawal, and declined transaction. Stay informed and quickly spot anything unusual before it becomes a problem.
Card Controls
Freeze or unfreeze your card instantly via the app. Set spending limits, block international use, or restrict certain merchant categories — full control is always in your hands.
Virtual Card for Online Shopping
Generate a virtual card number for online purchases that keeps your real card details hidden. Perfect for subscriptions and one-time purchases — add an extra layer of security every time you shop online.
Where cardholders spend
Our cardholders use their Najem Financial Visa debit card across every aspect of daily life. From grocery runs to entertainment, your card works everywhere you do.
Real-time notifications keep you up to date with every category, making it effortless to track your monthly budget and spot where you can save more.
You're always in control
Our mobile app puts your card management at your fingertips. Whether you need to freeze your card, set limits, or block specific transaction types, you can do it all in seconds — no branch visit required.
Freeze & unfreeze instantly
Misplaced your card? Freeze it in one tap to block all new transactions while you look for it, then unfreeze just as easily when you find it. No need to cancel — just pause.
Set spending limits
Define a daily or per-transaction spending limit to stay on budget. You'll receive an alert whenever you approach or exceed your set threshold.
Block international transactions
Not travelling? Block all overseas transactions to reduce the risk of fraud. Enable international use in a few taps whenever you're heading abroad.
Manage recurring payments
See all subscriptions and recurring charges linked to your card. Cancel, pause, or review any recurring payment directly from your account — full transparency over every deduction.
Pay your way — phone, watch, or card
Add your Najem Financial Visa debit card to any major digital wallet for fast, secure, contactless payments — even if you leave your physical card at home.
Apple Pay
Add your card to Apple Wallet on iPhone, iPad, Apple Watch, or Mac. Pay with Face ID or Touch ID — your real card number is never shared with merchants.
Google Pay
Use Google Pay on any Android device to tap and pay at millions of locations. Works in apps and online too — faster checkout with the security of tokenisation.
Samsung Pay
Samsung Pay uses both NFC and MST technology, meaning it works at virtually any payment terminal — even those that don't support contactless. Pay anywhere your card is accepted.
How to add your card in 3 simple steps
Open your Wallet app
Launch Apple Wallet, Google Pay, or Samsung Pay on your device.
Add a card
Tap "Add card" and either scan your Najem Financial Visa card or enter the details manually.
Verify & start paying
Complete a quick verification step and you're ready to tap and pay anywhere that accepts contactless.
Shop with confidence
Your Najem Financial Visa debit card is protected by multiple layers of security technology and policy, so you can spend freely knowing you're covered.
Zero Liability Policy
Under Visa's Zero Liability policy, you are not responsible for any unauthorised transactions made with your card or card number, as long as you report them promptly. This applies to purchases made in-store, online, and internationally.
24/7 Fraud Monitoring
Our automated fraud detection system analyses every transaction in real time using advanced machine learning. Suspicious activity is flagged immediately — you'll receive an alert and we may temporarily pause your card to protect your funds.
Dispute Resolution Process
If you notice a charge you don't recognise, contact us to raise a dispute. Our team will investigate and typically credit provisional funds to your account within 1–3 business days while the investigation is underway — you won't be left out of pocket.
Security at a glance
Report and replace fast
If your card is lost, stolen, or compromised, act immediately. Our rapid response process ensures you're protected and back up and running as quickly as possible.
Freeze your card immediately
Open the Najem Financial app and tap "Freeze Card" to instantly block all new transactions. This takes effect in seconds and prevents any further unauthorised use while you assess the situation.
Report to our 24/7 team
Call our dedicated lost and stolen card hotline at any time of day or night. Our specialist team will verify your identity, cancel the compromised card, and begin the replacement process immediately.
File a fraud report if needed
If you believe fraudulent transactions have occurred, our team will raise a dispute on your behalf and apply provisional credits to your account within 1–3 business days while we investigate.
Receive your replacement card
A new card will be issued and dispatched within 2–5 business days. In genuine emergencies, express delivery can often be arranged. Your new card will arrive in a secure mailer with its own PIN.
Replacement timeline
Emergency Card Assistance
If you're travelling and need emergency card assistance, contact Visa's global customer care service available 24/7 in your local language. Alternatively, call Najem Financial's international support line.
Frequently asked questions
Everything you need to know about your Najem Financial Visa debit card.
Open an account and get your card
Join thousands of Najem Financial customers already enjoying the freedom, security, and convenience of a Visa debit card. Apply in minutes — no branch visit required.
Secure application. Your information is encrypted and protected.