The refugees were among those driven from their homes around Mosul last summer in an offensive by the jihadist Islamic State group (IS), and the pontiff used a satellite phone connection provided by Catholic channel TV 2000 to offer them his support.
"Dear brothers, I am close to you, very close to you in my heart," the pope was quoted as telling the refugees by Italian press agency AGI.
"The children and the elderly are in my heart," Francis also told the Iraqi refugees in the Ankawa camp, just hours before celebrating midnight mass in Saint Peter's basilica.
On Monday, the pope addressed a long letter of support to Christians in the region, urging them to "persevere" despite the difficulties they face.
In it, he denounced IS as a "terrorist organisation of a size that was unimaginable before, committing all types of abuses... (and) striking some among you who have been brutally chased from your lands, where Christians have been present since apostolic times."
Francis lamented the suffering of women, children and the elderly who "must face the harshness of winter without a roof," and called for concrete support from the wealthier churches.
