First things first: a Neema Mastercard® is completely optional! You don’t need one to enjoy being a Neema customer. However, if you want the ultimate convenience of tapping your Neema balance to shop in stores, buy online worldwide, or withdraw cash, it’s a fantastic add-on.
Understanding the Neema Mastercard
Prepaid vs. Credit: The Neema Mastercard is issued by the company Max specifically for Neema. It is a prepaid card, not a credit card. This means you can only spend the money you have actively loaded onto the card balance. You are not borrowing money from a bank.
Currency: The Neema Mastercard balance is held exclusively in Israeli Shekels (NIS). The card only supports NIS.
Card Type: Previously, Neema issued Visa cards. Now, all newly issued Neema cards are Mastercards. The fees, limits, and features of the card have not changed.
Name Embossing: To have your name displayed on your Neema Mastercard, you are welcome to visit one of 2 Neema branches and have it embossed free of charge.
Here is a quick, transparent breakdown of how the card works, what it costs, and how to get the most out of it!
💳We believe in zero surprises. Here is a clear look at the Neema card fees:
One-Time Card Activation Fee: Just 40 NIS to get started. Bonus: This includes FREE home or work delivery right to your door!
Monthly Fee: A flat 18 NIS/month, automatically billed from your Neema account balance on the 1st of each month.
ATM Cash Withdrawal fee: Neema charges a 0.3% fee per ATM cash withdrawal transaction. This specific ATM fee is deducted from your account on the 1st day of the following month.
Note: Some independent third-party ATMs may charge their own small operator fee.Topping up your Neema Mastercard balance via an ATM is not possible. You can only use ATMs to withdraw cash.
International Purchases: Shopping abroad or online in foreign currency? Foreign transactions incur a standard 3% conversion fee (processed by MAX within 3 business days).
Quick Example: If you spend $100 (approx. 300 NIS), your currency fee is just 9 NIS.
📊 Neema Card Limits (Reset on the 15th of Every Month)
Because the Neema Mastercard is a prepaid card, the card limits are strictly fixed and cannot be changed or increased.
Feature | Limit |
Max Daily Spend | 8,000 NIS |
Max Daily ATM Cash Withdrawal | 4,000 NIS (or up to 3 withdrawals per day) |
Max Monthly Load an Unload | 10,000 NIS |
Max Card Balance | 20,000 NIS at any time |
Card limits automatically reset on the 15th day of every month. If you reach your maximum monthly top-up limit, you must wait until the 15th of the month for the limit to reset before you can load more money.
🔒 Top-Tier Security at Your Fingertips
You’re always in full control of your money:
Freeze instantly: Misplaced your card? Freeze it immediately in the app with one tap so no one else can use it.
Real-time unloading: Easily transfer funds back and forth between your card and your Neema account whenever you like.
🌍 Using Your Card Online and Abroad
To use your Neema Mastercard for purchases, please keep the following guidelines in mind:
Online Shopping: To start making purchases on the internet, you must wait exactly 24 hours after activating your new Neema Mastercard in the app.
Using the Card Abroad: You can use your Neema Mastercard internationally in any physical store or location that accepts both Mastercard and prepaid cards.
Single Payments Only: All transactions made with the Neema Mastercard are processed as single upfront payments. The card does not support recurring monthly subscriptions or divided payment installments.
💡 Good to Know (Helpful Tips)
Local Currency: Your card balance is held in NIS.
One Neema Account - One Neema Card: Each Neema account is entitled to 1 active Mastercard.