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Aiming to make your life easier, Najm provides you some of the best credit card options that allow you to go beyond your financial barriers to meet your requirements and wishes. Besides, making your Najm credit card bill payments on time brings you a whole new range of benefits.
UAEFTS is a Real-Time Gross Settlement fund transfer system that enables you to transfer your money from one bank account to the other. The platform is owned and controlled by the Central Bank of the UAE. You can also use this platform to make your Najm credit card bill payment through exchange houses. However, before initiating the amount transfer, confirm with the exchange house if it accepts payment for the Najm Credit Card bill. You can also find the list of exchange houses Najm has partnered with to smoothen your Najm credit card bill payment experience:
Please note that the exchange house may levy additional charges for accepting Najm credit card bill payments.
UAEFTS is one of the most secured platforms to make Najm Credit Card bill payment as it is managed by the Central Bank of the UAEFTS. Besides, there are several other benefits of using UAEFTS:
While UAEFTS is a flexible payment platform, there are some issues you need to wary of while using it:
To ensure that you do not have to sweat while finding payment options for Najm credit cards, the company provides numerous platforms on offline and online modes to let you make Najm Credit Card bill payment easily.
If you prefer the conventional methods of banking, you can opt for offline methods of the bill. The offline mode of Najm credit card bill payment requires you to visit the nearest banking branch and deposit the payment via cheque or cash. You can deposit your cheque or cash in ATMs and Cash Deposit Machines at Emirates NBD bank. Please find the nearest Emirates NBD bank branch at https://www.emiratesnbd.com/en/branches-and-atms/
Using Cheque for Najm Credit Card bill payment
You can write a cheque in the favour of a Najm card to pay your Najm credit card bill offline. To avail of this facility:
Please note that a cheque deposit may take up to 3 working days to clear. You are advised to deposit the cheque for Najm Credit Card bill payment at least 4 working days before the due date.
Pay by cash
If you want to make a quick transfer to make your Najm credit card bill payment offline instantly, you are suggested to use cash. Since the payment is made in cash, the payment is processed in less than a minute. Besides, you receive instant confirmation. This payment option is even more beneficial if you are making your payments at the last moment.
Cannot go to the bank? No problem! You can pay your Najm credit card bill at a convenience store:
You can locate the nearest ENOC (Emirates National Oil Company) branch at https://www.enoc.com/Enoc-for-motorists/Store-Locator
You can locate the nearest EPPCO https://2gis.ae/dubai/branches/70000001006141479
When the world is moving fast, why should you slow down? To ensure that you do not require slowing down for Najm credit card bill payments, Najm brings you on-the-go online payment offers. Using online methods of payments, you can choose the most convenient time of your day to make the payment without any restrictions. There are the following online payment options you can consider to make the payment:
How to pay Najm credit card bill via Najm Online?
Najm allows you to make Najm credit card bill payments using Najm Online, a mobile app for availing of Najm financial solutions. To make payment:
You can make your Najm Credit Card bill payment using Najm Online for no cost with the following banks’ account:
Please note that the Central Bank of the UAE manages the partnership with these banks and the partnership is subject to change.
You can also log in to Najm online via your desktop by visiting at https://enajm.najm.ae/DIGILENDPortal/unauth/index.html. Once logged in you will be able to make Najm credit card bill payments via the aforementioned banks.
In case you wish to make Najm credit card bill payment from your bank account, you can use the following banks for paying credit card bill directly by adding Najm Credit card details in your banking app:
Payment from other banks
If you do not have a bank account with the aforementioned banks, you can make your Najm credit card bill payment from other bank account following these simple steps:
Please note that you can use this method to make Najm credit card bill payments from any UAE bank’s online portal. If you face any difficulty in paying the bill, write to your bank to raise the concern.
Direct Debit Systems
The direct debit system is a method that allows you to make Najm Credit Card payment on outstanding every month automatically. This system allows you to forget your due dates since Najm will automatically deduct the specified amount from your bank account on the set date without requiring any further action. However, when you are choosing this option, please ensure that you maintain a sufficient account balance for the required deduction. In case if you do not have enough balance on the day of deduction, Najm will not be able to deduct the amount and you will be subjected to make the payment. In this case, if you make a late payment, Najm will not be held responsible and you will be subjected to pay a late fee. You can set up a direct debit system by:
Digital Wallet is the latest technology in the field of online payments. It is a platform that allows you to link your debit card and bank account to your mobile phone and make easy payments online in less than a minute. To make Najm credit card bill payment online via a digital wallet, you can use these payment options:
Najm credit card does not accept direct payment from any bank’s credit card. However, there are a few other indirect methods you can use to make the payment ̶ cash transfer and balance transfer.
With your credit card, you receive the facility of borrowing cash from your card from an ATM. You can use this facility to withdraw cash and deposit this cash at Emirates NBD in the favour of Najm Credit.
A balance transfer is a facility provided on some credit cards that allows you to transfer your debt from one credit card to the other. You can use this facility to make your Najm Credit Card bill payment facility from other bank’s credit cards. To avail of this facility:
Ensure that the credit card you are using for the balance transfer facility has a lower interest rate than the Najm Credit card.
While you do have the option of making your credit card bill payment from another bank’s credit card, you should not use this facility until it is your last resort. Paying through another credit card does not settle your debt but merely transfers it to another bank account. You are still required to make the payment. Besides, the debt reflects on your credit report and may hamper your credit score in the longer run.
You are not obligated to pay the complete amount on the outstanding on your Najm credit card. You can opt for making a partial payment as well. However, interest rates will be applied to your principal amount and the interest will be compounded. To avoid paying interest rates, you are advised to make complete payments on your Najm credit card.
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