National Bank of Kuwait – Egypt (NBK) offers a varied range of credit cards to meet different customer needs, with benefits including cashback on purchases, rewards programmes and installment options, alongside travel, hotel and online shopping offers and airport lounge access.
The cards range from products aimed at customers who want cashback on everyday purchases to others offering travel, lifestyle and premium banking benefits, with reward rates, discounts and credit limits varying by card type and terms.
First: The NBK Emarat Misr credit card
The NBK Titanium Mastercard Emarat Misr credit card gives customers cashback and discounts on eligible transactions at Emarat Misr stations.
Card features:
10% cashback on fuel transactions and retail store purchases at Emarat Misr stations.
10% discount on food and coffee from station stores.
5% discount on "Power Synth" engine oil.
Supplementary cards for family members.
Card management and balance tracking through online banking.
SMS alerts notifying the customer of card transactions in Egypt and abroad.
Fraud protection when shopping online through the secure shopping service.
Cash advances of up to 100% of the available credit limit from ATMs worldwide.
Cashback terms:
Cashback is capped at EGP 500 a month, and eligible transactions are limited to those made at points of sale in Emarat Misr stations.
Cashback is credited automatically to the eligible card during the following month, increasing the card balance without affecting the minimum monthly payment. The cashback amount cannot be exchanged for other rewards, refunded or transferred, and does not apply if the terms and conditions are breached or if the card is suspended, blocked or cancelled by the bank.
The bank may change the eligible transaction types or cashback rates and categories at its discretion, after notifying the customer.
The card is available to customers aged 21 and over, whether salaried employees, business owners and self-employed professionals, or holders of secured facilities, subject to the terms and conditions.
Second: The Titanium Mastercard cashback credit card
The Titanium Mastercard credit card from National Bank of Kuwait – Egypt gives customers monthly cashback on purchases in a number of categories, with cashback rates doubling once a set monthly spending threshold is reached.
Cashback rates on purchases:
Groceries: 2%.
Restaurants: 2%.
Fuel: 1%.
Electronics and home appliances: 1%.
Clothing: 1%.
Once monthly spending reaches at least EGP 10,000, excluding government purchase transactions, cashback rates double to 4% on groceries and restaurants and 2% on fuel, electronics, home appliances and clothing.
Monthly cashback is capped at EGP 1,000.
Additional benefits:
Supplementary cards for first-degree family members.
Free access to lounges at 10 airports in the Middle East and North Africa.
Conversion of purchases and cash withdrawals into equal monthly installments at competitive interest rates.
Interest-free installments at a selection of merchants.
The card is available to Egyptians and foreigners aged 21 and over who are salaried employees, business owners and self-employed professionals, or holders of secured facilities, subject to the terms and conditions.
Third: The Visa Classic credit card
The Visa Classic credit card gives customers a way to pay, shop and manage their spending, with the option of supplementary cards for family members.
Card features:
Supplementary cards for family members.
Balance management and tracking through NBK online banking.
SMS alerts notifying the customer of card transactions in Egypt and abroad.
Cash advances of up to 100% of the available credit limit through the bank's channels and ATMs worldwide.
The cash advance fee is 5% of the amount withdrawn.
Secure shopping service for fraud protection when buying online.
The bank advises customers to pay in the local currency of the country they are visiting when travelling, and to contact customer service immediately if the card is lost or stolen.
Fourth: The Visa Gold credit card
The Visa Gold credit card offers flexibility and purchasing power, along with electronic banking services and benefits that help customers keep track of their transactions.
Card features:
Supplementary cards for family members.
Balance management and transaction tracking through online banking.
SMS alerts on card transactions in Egypt and abroad.
Cash advances of up to 100% of the available credit limit through the bank's channels and ATMs worldwide, with a fee of 5% of the amount withdrawn.
Secure shopping service for protection against online fraud.
The bank advises paying in the local currency of the country being visited when travelling, and reporting a lost or stolen card immediately.
Fifth: The Visa Platinum credit card
The Visa Platinum credit card from National Bank of Kuwait – Egypt offers benefits for purchases, cash withdrawals and installments, as well as travel services and protection on eligible purchases.
Card features:
Credit limit of up to EGP 500,000.
Cash withdrawals of up to 100% of the available credit limit.
Purchase installments at competitive interest rates.
Six free visits a year to 25 airport lounges worldwide through the Visa Airport Companion service.
Airport restaurant offers and discounts through the Visa Dine & Travel service, subject to registration in the app.
Extended warranty on eligible purchases paid for with the card.
Purchase protection against fraudulent purchases made by others.
Eligibility:
The card is available to customers aged 21 and over who are salaried employees, business owners and self-employed professionals, or holders of secured facilities.
Sixth: The Premium Banking Platinum Mastercard credit card
The Premium Banking Platinum Mastercard credit card is aimed at customers looking for purchasing power and banking services suited to their needs, with round-the-clock account tracking and transaction management.
Card features:
Supplementary cards for family members.
Balance management and account tracking through online banking.
Notifications of card transactions in Egypt and abroad.
Fraud protection when shopping online through the NBK secure shopping service.
Cash advances of up to 100% of the available credit limit through the bank's channels and ATMs worldwide, with a fee of 5% of the amount withdrawn.
Access to the NBK Rewards programme, which lets you redeem points for e-vouchers and earn cashback at favourite merchants.
Free access to airport lounges in the Middle East and North Africa.
24/7 assistance and support services.
The bank advises using the local currency of the country being visited when travelling, and reporting a lost or stolen card immediately.
Seventh: The Platinum Mastercard credit card
The Platinum Mastercard credit card gives customers benefits including a rewards programme and international and regional offers, as well as cash withdrawal and secure shopping services.
Card features:
Supplementary cards for family members.
Balance management and tracking through online banking.
SMS alerts on card transactions in Egypt and abroad.
Protection against online fraud through the secure shopping service.
Cash advances of up to 100% of the available credit limit through the bank's channels and ATMs worldwide, with a fee of 5% of the amount withdrawn.
Access to international and regional Mastercard offers.
Membership of the NBK Rewards programme, with points redeemable for e-vouchers, or cashback at selected merchants.
Free access to airport lounges in the Middle East and North Africa.
24/7 assistance and support services.
The bank advises customers to pay in the local currency of the country they are visiting when travelling, and to report a lost or stolen card immediately.
Eighth: The World Mastercard credit card
The World Mastercard credit card combines a rewards programme with travel benefits and discounts at a range of hotels, car rental companies, booking platforms and online shopping sites.
Card features:
2.5 NBK Rewards points for every EGP 1 spent.
Free access to more than 1,300 airport lounges worldwide through the Mastercard Travel Pass app.
Installments on everyday transactions for up to 36 months.
Cash withdrawals of up to 100% of the available credit limit from ATMs worldwide.
1 GB of roaming data once a year, valid for 5 days, with a 15% discount on additional packages through the Flexiroam app.
20% discount on stays at Jaz hotels in Egypt when booking with the card and the designated promo code.
15% discount at IHG hotels and resorts in Europe, the Maldives, India, the Middle East and Africa.
Discounts of up to 35% on car rentals from Avis, and 10% off chauffeur services.
Up to 20% off flight and hotel bookings through Trip.com using the designated promo code.
Up to 7% credit when booking through Booking.com.
Free Amazon Prime membership for up to 6 months, subject to the offer's terms.
20% off online shopping at Carrefour using the designated promo code.
20% off one food or grocery order a month through the Talabat app when paying with the card and using the designated promo code.
Airport transfer service through Careem using the offer's promo code.
Benefits and discounts are subject to the terms and conditions of each offer.
Ninth: The World Elite Mastercard credit card
The World Elite Mastercard credit card offers advanced travel, lifestyle and rewards benefits, along with services designed for customers seeking premium levels of banking service.
Card features:
4 NBK Rewards points for every EGP 1 spent.
Installments on everyday transactions for up to 36 months.
Cash withdrawals of up to 100% of the available credit limit from ATMs worldwide.
Unlimited free access to more than 1,300 airport lounges worldwide for the cardholder and one guest through the Mastercard Travel Pass app.
3 free uses of airport fast-track security.
24/7 personal concierge service to help plan trips, book hotels and fine-dining restaurants, and take advantage of exclusive offers.
1 GB of roaming data 3 times, with each package valid for 5 days, plus a 15% discount on additional packages through the Flexiroam app.
Up to 7% credit when booking through Booking.com.
20% discount on stays at Jaz hotels in Egypt using the card and the designated promo code.
15% discount at IHG hotels and resorts in Europe, the Maldives, India, the Middle East and Africa.
Discounts of up to 35% on car rentals from Avis, and 10% off chauffeur services.
Up to 20% off flight and hotel bookings through Trip.com using the designated promo code.
Airport transfer service through Careem using the offer's promo code.
Eligibility:
The card is available to Egyptians and foreigners aged 21 and over who are salaried employees, business owners and self-employed professionals, or holders of secured facilities, subject to the terms and conditions.
Summary
National Bank of Kuwait – Egypt's credit cards range from cards focused on cashback and discounts on everyday purchases to cards that offer rewards points, travel benefits, airport lounge access and lifestyle services. The right card depends on the customer's spending pattern, how much they will use the offers, and their installment and travel needs; customers should review each card's terms, conditions and limits before using it.
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