National Bank of Kuwait – Egypt (NBK Egypt) lets its credit cardholders benefit from the NBK Rewards programme, which awards points on local and international purchases. Points can be redeemed for cashback, e-vouchers and instant discounts at participating stores, and used to book flights, hotels and car rentals.

The programme offers a range of benefits to the bank's credit cardholders, with the number of points earned varying by card type, giving customers several ways to benefit from their everyday purchases.

First: Who can benefit from NBK Rewards

  • All holders of NBK credit cards eligible for the programme.

Second: How reward points are calculated

Customers earn NBK Rewards points for every Egyptian pound spent locally or internationally, depending on the credit card type, as follows:

Visa credit cards:

  • NBK Visa Classic credit card: 0.5 reward points per EGP 1.

  • NBK Visa Gold credit card: 0.5 reward points per EGP 1.

  • NBK Visa Platinum credit card: 2 points per EGP 1.

  • NBK Visa Infinite credit card: 4 points per EGP 1.

Mastercard credit cards:

  • NBK Platinum Mastercard credit card – Gold: 2 points per EGP 1.

  • NBK Platinum Mastercard credit card – Premium Banking: 2.25 points per EGP 1.

  • NBK World Mastercard credit card: 2.5 points per EGP 1.

  • NBK World Elite Mastercard credit card: 4 points per EGP 1.

Third: How to redeem NBK Rewards points

The programme lets customers redeem the points they collect for a range of benefits, including:

  • Cashback: redeem points for cash refunds in line with the programme's rules.

  • E-vouchers: get instant discount vouchers at many participating stores.

  • Flights: redeem points for tickets with more than 800 participating airlines, including major and low-cost carriers.

  • Hotel bookings: book stays at more than 150,000 hotels worldwide.

  • Car rental: use car rental services from specialised international companies.

Customers can also use points to pay part of a purchase, settling the remaining amount with a credit card, debit card or cash.

Fourth: NBK Rewards programme features

  • Easy access to your points balance through the NBK Rewards website.

  • A wide range of e-vouchers to suit customers' needs.

  • Instant delivery of the e-voucher code to the phone number registered with the bank.

  • The option to view the list of participating stores when choosing the e-voucher value.

  • Use of points for shopping, travel, hotel bookings and car rental.

Fifth: How to enrol in NBK Rewards

An eligible credit card is enrolled in the programme automatically once it is activated and at least one purchase has been made.

Cash withdrawals do not count as qualifying transactions for automatic enrolment in the programme.

To use and redeem points, customers can register or log in via the NBK Rewards page.

Sixth: NBK Rewards terms and conditions

  • Participation is currently limited to eligible NBK credit cards: Visa Classic, Visa Gold, Visa Platinum and Visa Infinite, Platinum Mastercard Gold and Premium Banking, World Mastercard and World Elite Mastercard.

  • NBK Rewards points are valid for 12 months.

  • Points cannot be refunded or returned once used.

  • Customers who are late paying their credit card dues are excluded from instant points redemption until the amounts due are paid.

  • Instant e-vouchers are valid for 3 months, and expired vouchers cannot be used.

  • The bank may cancel points if the card is suspended, if the customer is subject to legal proceedings, or if the card is used for commercial transactions.

  • Customers earn only one point per card type when using the card in certain categories: fuel stations, real estate, telecom services, and gas, electricity, water and phone bills.

  • Cash withdrawals, cash payments, government transactions, commercial transactions and e-wallet top-ups do not qualify for points.

Banky's view

The NBK Rewards programme gives credit cardholders a way to benefit from their everyday purchases by collecting points and redeeming them for a range of benefits, including cashback, e-vouchers, flights and hotel bookings. The rewards earned vary by card type, so comparing points earning rates is an important factor when choosing the right card. Customers should also keep an eye on the validity of points and e-vouchers and make sure their transactions qualify for rewards.