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Choose the card that works for you
online bonus offer
No annual fee.
•••• •••• •••• 1234
CASH REWARDS
Customized Cash Rewards
online bonus offer
No annual fee.
•••• •••• •••• 5678
UNLIMITED CASH
Unlimited Cash Rewards
online bonus points offer
No annual fee.
•••• •••• •••• 9012
TRAVEL REWARDS
Travel Rewards
intro APR offer
No annual fee.
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NAJEM FINANCIAL
Najem Financial Card®
NEW CHECKING CUSTOMERS
Cash offer up to $500
Start by opening a new eligible checking account.
See details
Explore the UAE with confidence
Najem Financial cardholders enjoy exclusive travel benefits and zero foreign transaction fees.
Learn moreCustom mobile alerts
With our Mobile Banking app alerts, prioritize what you see based on what matters most to you.
Get the app
Invest the way you want
Choose your own investments, set your investing goals online or talk with an advisor and set goals together.
Get startedYour financial goals matter
We can help you achieve them through our financial education resources and programs that make communities stronger.
Explore more topics and build your financial know-how.
Your news and information
Level up your account security
Watch your security meter rise as you take action to help protect against fraud. See it in the Security Center in Mobile and Online Banking.
March 2026
Spending Overview
Total spent this month
$3,847.62
vs last month
Saved vs budget
+$612.00
Real-Time Insights
Know exactly where
your money goes
Automatic transaction categorization gives you a live picture of your spending habits — so you can budget smarter, spot trends early, and hit your financial goals faster.
Auto-categorizes every transaction instantly
Custom alerts when you approach a budget limit
Monthly vs weekly trend comparisons
AI-powered tips to reduce overspending
Global Payments
Instant transfers, anywhere on Earth
Send money to friends, family, or businesses across 180+ countries in seconds — with bank-grade encryption protecting every transaction.
Send Money
You send
They receive
BRL 1,292.50
Exchange rate
1 USD = 5.17 BRL
Transfer fee
Free
180+
Countries supported
< 5s
Average transfer time
$0
Transfer fees to members
256-bit
AES encryption
Whether you're splitting a dinner bill with a colleague or sending support to family overseas, Najem Financial makes transfers feel local — even when they're global.
Powered by global networks
Savings Goals
Set goals.
Watch them grow.
Create dedicated savings buckets for anything — a vacation, a new home, an emergency fund. Visual progress trackers keep you motivated every single day.
Dream Home
$18,400 of $50,000
Japan Vacation
$2,840 of $5,000
Emergency Fund
$8,200 of $10,000
Goals Progress
3 active goalsYou are 58.7% toward your total savings targets
$29,440
Total saved
$65K
Total target
+$420
Auto-save / mo
•••• •••• •••• 4821
Card Holder
Alex Johnson
Expires
09/28
Card Controls
Freeze card
Contactless payments
Tap to pay enabled
Online purchases
E-commerce & subscriptions
International use
Transactions abroad
Card Controls
Your card.
Your rules.
Take full control of how, where, and when your card can be used — all from the app. Lock it in seconds if it goes missing, and unlock it just as fast when you find it.
Instant freeze/unfreeze
No wait, no calls required
Instant notifications
Every transaction, real-time
Spend limits
Set daily or per-transaction caps
Virtual card
Safer online shopping
Financial Health
Your financial
health score
We analyze your spending patterns, savings rate, debt levels, and credit utilization to give you a single, clear score — and a personalized roadmap to improve it.
Your Score
Quick tip to improve your score
Build your emergency fund to at least 3 months of expenses to boost your score by ~18 points.
6 months ago
598
3 months ago
641
Today
712
Rewards Program
Every purchase earns you more
Earn points on every transaction, level up your tier, and redeem for cash back, travel, gift cards, or exclusive experiences.
Member
0 – 4,999 pts
1x on all purchases
Silver
5,000 – 19,999 pts
1.5x on all purchases
Gold
20,000 – 49,999 pts
2x + travel bonuses
Platinum
50,000+ pts
3x + concierge access
Your Points Balance
32,480
Gold Tier
Redeem your points
Cash Back
10,000 pts = $100
Travel
Use at 500+ airlines
Gift Cards
50+ top brands
Experiences
VIP & exclusive access
Security & Fraud Protection
Bank-grade security,
every transaction
Our AI-powered fraud detection monitors your account around the clock, flagging suspicious activity before it becomes a problem — and zero liability protection has your back if anything slips through.
AI Fraud Detection
Machine learning flags unusual patterns instantly
Biometric Login
Face ID and fingerprint authentication
Instant Alerts
Real-time notifications for every transaction
Zero Liability
Full protection against unauthorized charges
2-Factor Auth
Extra layer of identity verification
Virtual Cards
Masked numbers for safer online payments
$0
Fraud liability for members
24/7
Monitoring, always on
99.97%
Fraud block rate
< 2 min
Dispute resolution start
Transaction verified
Your $89.99 purchase at Best Buy was confirmed safe and authorized just now.
2 seconds ago
Customer Support
Real help, any time
you need it
Our UAE-based support team is available around the clock — via chat, phone, or in person at our branch locations. No bots, no hold music for critical issues.
Live Chat
Average response in 47 seconds
Phone Support
24/7 with zero hold time guarantee
Branch Visit
Locations across the UAE
Video Banking
Schedule a face-to-face session
Najem Financial Support
Online • Typically replies in < 1 min
Hi Alex! I'm here to help. What can I assist you with today?
9:41 AM
I noticed a charge I don't recognize on my account.
9:42 AM
I can help with that right away. I've flagged the transaction and a specialist will review it within 2 minutes. You're protected under our Zero Liability policy.
9:42 AM
47s
Avg chat response
98.6%
Satisfaction rate
24/7
Always available