National Bank of Kuwait – Egypt (NBK) offers holders of the NBK Emarat Misr credit card a range of benefits, including up to 10% cashback on transactions at Emarat Misr stations, discounts on selected products and the option to split transactions into installments of up to 36 months. The card also comes with a set of banking services that make it easy and secure to use.

NBK Emarat Misr Credit Card Benefits in Detail

1. Cashback and Discounts

  • Up to 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» car engine oil.

  • Installments: transactions can be split into installments of up to 36 months.

2. Additional Features and Services

  • Supplementary cards: additional cards can be issued for family members.

  • Online banking: manage your account and track your card balance easily and securely.

  • SMS alerts: receive messages notifying you of card transactions made in Egypt or abroad.

  • Secure shopping: extra protection when shopping on websites with the credit card.

  • Cash advance: withdraw up to 100% of the card's available credit limit from ATMs worldwide.

3. Cashback Terms and Conditions

  • Cashback on eligible transactions at Emarat Misr stations is 10%.

  • Cashback is capped at EGP 500 per month.

  • Only transactions made through point-of-sale terminals at Emarat Misr stations are eligible for cashback.

  • Cashback is credited automatically to the eligible card's balance during the following month.

  • Cashback does not affect the card's minimum monthly payment due.

  • Cashback cannot be exchanged for other rewards, refunded or transferred.

  • The bank may change eligible transaction types and cashback rates and categories at its discretion, with notice to the customer.

  • Cashback does not apply if the terms and conditions are breached or if the card is suspended, blocked or cancelled by the bank.

4. Who Is Eligible for the Card

  • Customers aged 21 or over.

  • Salaried employees.

  • Business owners and self-employed professionals.

  • Customers with secured credit facilities.

Banky's View

The NBK Emarat Misr credit card gives customers cashback on fuel and purchases at Emarat Misr stations, which can help trim part of their everyday spending, especially for those who rely heavily on their cars. Installments of up to 36 months add flexibility in managing payments, alongside the discounts and extra banking services. Even so, customers are advised to review the installment terms, applicable fees and cashback limits before using the card, to make sure the benefits suit their financial needs.