If you are looking for a one-stop solution to manage your Najm credit cards, Najm Online offers you a variety of features that are convenient and easy to use.

The new and improved app allows you to:
- Pay for your Najm credit cards directly from your bank
- Schedule and issue your utility bill payments for Etisalat & DEWA
- Change your PIN securely
- Activate your card instantly

Using Najm Online will enable you to:
- Access information on your cashback vouchers
- Get real-time updates on all your accounts
- View all your unbilled transactions
- Check your account balance instantly
- View your account statements
- Update your personal information
- Download your credit card statements, transaction details and payment receipts

From the comfort of your home, you can apply for:
- 0% Easy Payment Plan (EPP)
- Loan on Phone (LoP)
- Balance Transfer (BT)
- Credit limit increase
- Supplementary cards
- Direct Debit option for your credit card payments
Download Najm Online now and start managing your credit cards from anywhere in the world.

What’s New

Version 8.1.2

The latest version contains bug fixes, feature updates and performance improvements.

Ratings and Reviews

1.9 out of 5
390 Ratings

390 Ratings

review 3000 ,

App has lots of problems

Hello I’m NAJM customer for the past 4 years, the app is one of the worst for the following reasons
The app crashes most of the time, it is not unusual that you will be suddenly logged out. The worst is when you put your fingerprint and wait for ages with 50% chance that it will open or to give you an error message, also when I want to review my statement or the unbilled transactions it always shows nothing in the records before the search and then the records will display and you keep wondering why this message appeared , also this step takes ages. If you want really to improve you have to make data retrieval and processing time fast, hope this helps

Developer Response ,

Thank you for your feedback and we understand how frustrated you are. Good news is that we are currently upgrading the app to fix these issues and provide a more intuitive customer experience. We anticipate our new version to be ready shortly.

Colli74 ,

Needs Lot Of Improvement

I'm sorry but the truth is that this application requires improvement on many fronts. The one on which I suffer a lot is login screen; I'm using iPhone X and it don't support fingerprint but Najm application always ask "fingerprint" option to login. Although, I don't choose fingerprint option but Najm Aaplication activate this option automatically and after that whenever I try to login application gets crashed. Then I delete the application, download it again and use it until the application again reactivate fingerprint option.

Developer Response ,

Dear Customer, Thank you for your feedback, Please email us your contact details at and we will be happy to address your query. Regards Najm Online

QA_user ,

Is it finance application!!

This is the worst application I use in my life till now .. it needs a lot of improvement and development to be mature enough then we could call it an application!!
I am shocked that this is a finance application, so how can I trust the displayed logs and transactions on it.
Needs too much work to make it user friendly and to improve the look and feel issue and to stop the very old methods to load and get the data.
I think a great company like you deserves application reflects the great vision and mission of your company.

Developer Response ,

Thanks for your review. As we work to improve the user journey of our app, we are taking into consideration feedback from customers like you. In order to know more about your experience, we ask if you would please send us an email at with your mobile number so we can get in touch?


71.5 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating
Rated 4+


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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