Standard Mastercard
This card is an excellent starting point for engaging with banks and building a good credit history; it is perfectly sufficient for your daily purchases and for paying for goods in installments.
- Annual fee
- EGP 150
- Rewards
- Rewards points
- Effective APR
- 51.11%
32 live offers on this card Discount 28 · Zero Interest Installment 4 · Triple Zero 3
- Amazon Prime amazon prime
- 10% discount at Parnassus Bookstores. Bernasos
- Parnassus No merchant
- خصم 15% لدى فنادق كونكورد السلام شرم الشيخ Concorde El Salam Hotels Sharm El Sheikh
- خصم 15% لدى فندق كونكورد مورين مرسى علم Concorde Moreen Beach Resort & Spa, Marsa Alam
- Rizkalla Rizkallah
Nearest end first · 6 of 32
Banky Analysis
A card's value depends on how you use it, so no single rating is honest for everyone
Suits you if
- I pay my card off in full
- Has a rewards programme
- I carry a balance month to month
- Purchase APR lower than average
- I want to avoid card fees
- Annual fee lower than average
Not for you if
- I want the most cashback
Not yet evaluated for: I want a card that is easy to get
- Annual fee EGP 150 Below the median of 36 Classic cards (EGP 250)
- Effective APR 51.11% Below the median of 35 Classic cards (60.1%)
What it actually costs you
Clearing it in full before the due date, your cost is EGP 150 a year — no interest.
What's good
- Interest-free instalments
Not known yet
1 more detail we don't have yet
All of this is measured against entry-level cards in EGP only
Last checked Monday 02 November 2026 - 04:00 PM
Card & limits
- Credit limit
- Up to EGP 9,999
- Purchase limit abroad (POS)
- EGP 50,000
- Cash withdrawal limit abroad
- EGP 3,749
- Monthly intl. online limit (from Egypt)
- EGP 9,999
Interest & fees
- Effective annual rate (APR)
- 51.11% (3.5% /mo)
- Nominal APR
- 42%
- Grace period
- 55 days
- Annual fee
- EGP 150
- Fee waivable
- No
- Issuance fee
- EGP 150
- Late payment fee
- EGP 75
- Over-limit fee
- EGP 75
- Supplementary card fee/yr
- EGP 25 (first 2 free)
- Foreign txn fee
- 3%
- Min payment (%)
- 5%
- Min payment (fixed)
- EGP 100
Cash advance
- Cash advance APR (effective)
- 51.11% (3.5% /mo)
- Cash advance APR (nominal)
- 42%
- Domestic cash advance fee
- EGP 10
- Cash advance limit
- Up to 100% of the credit limit in cash
- Cash advance fee abroad
- EGP 100
Rewards & benefits
- Rewards program
- نقاط الأهلي للمكافات
- Points per EGP
- 1
- Signup bonus
- نقطة لكل جنيه
- برنامج Ahly points
- المرونة في السداد المرونة في سداد مستحقات البطاقة من خلال خدمة الأهلي نت الجديدة، واصدار بطاقة خصم البنك الأهلى المصرى المدينة على الحساب الجاري او التوفير مع ربطها بالبطاقة الائتمانية و السداد من خلال ماكينات الATM. السداد المباشر للبطاقات الائتمانية من خلال ماكينات الصراف الالى المنتشر فى انحاء الجمهورية. والسداد من خلال منافذ فوري المنتشرة في كافة انحاء الجمهورية، والسداد فى فروع البنك الأهلى المصرى المنتشرة فى انحاء الجمهورية، والسداد من خلال تطبيق انستاباي.
- الدفع اللا تلامسي إمكانية احتواء البطاقة على الخاصية اللا تلامسية (الــ (Contactless والتي تتيح لك تسوق سهل وآمن من خلال تمرير البطاقة فقط على نقاط البيع الالكترونية المتاح بها هذه الخاصية بدون الحاجة لإدخال الرقم السري لإتمام المعاملة وذلك بحد أقصي 600 جنيه داخل مصر و 5000 جنيه للمعاملة الواحدة من خارج مصر بما لا يتجاوز 25% من اجمالي حدود الاستخدام الدولية اليومية.
- تقسيط حركات المشتريات والسحب النقدي تقسيط حركات المشتريات والسحب النقدي لفترات تصل الى 36 شهر بسعر عائد مدين مميز من خلال خدمة التقسيط عبر الهاتف، وتقسيط المشتريات لمدة تصل الى 12 شهر بدون فوائد ضمن مجموعة كبيرة من التجار المتعاقدين مع البنك.
Eligibility
- Min age
- 21
- Max age
- 60
- Approved employer
- No
- Accepted employment types
- EmployedGovernmentMilitarySelf-EmployedPensionerFreelancer
- Accepted professions
- any profession
- Accepted security types
- Salary TransferSavings Vessel (Certificate / Deposit)Credit Card-Backed
- Required documents
- National ID CopyPassport CopyRecent Salary CertificateBank Statement (Last 3 Months)HR / Employer LetterRecent Utility Bill
| Min supplementary age | 15 |
| Nationality | both |
Do the maths
Our take
Pros
- Flexible repayment with a minimum monthly payment of just 5% of the card balance.
- Option to pay for purchases in installments over a period of up to 12 months, interest-free, at a wide network of merchants partnered with the bank.
- Ahly Points Program
- Supplementary card fee: Low, at just 25 pounds.
Cons
- The card's maximum credit limit is 9,999 EGP, making it unsuitable for large purchases.
- The monthly debit interest rate is 3.50% (for secured and unsecured cards).
Our take
Mastercard Standard credit card from the National Bank of Egypt (NBE) is an excellent choice for specific groups—such as young adults, new employees, or anyone seeking a basic credit card to manage everyday, routine expenses. This card is well-suited for you if you are looking for: smart expense management—with a maximum credit limit of EGP 9,999, it is ideal if you are concerned about overspending and want a card with a manageable balance; flexible installment options—the card allows you to pay for purchases in installments over a period of up to 12 months, interest-free, at a vast network of the bank’s partner merchants, or for up to 36 months at a competitive interest rate via the bank’s telephone service; and a generous grace period—offering up to 55 days for purchases, providing ample time to settle your balance interest-free.
This card is an excellent starting point for engaging with banks and building a good credit history; it is perfectly sufficient for your daily purchases and for paying for goods in installments.
Compare
| Standard Mastercard National Bank of Egypt This one |  Visa Classic National Bank of Egypt |  CIB Classic Cashback Mastercard Credit Card CIB Egypt |  Split Credit Card Egbank |
|---|---|---|---|
| Annual fee | |||
| EGP 150 | EGP 150 | EGP 350 | EGP 500 |
| Rewards | |||
| Rewards points | Rewards points | 5% cashback | Rewards points |
| Effective APR | |||
| 51.11% | 51.11% | 59.92% | 42.58% |
Added Wednesday 20 May 2026 - 12:37 PM Updated Monday 26 October 2026 - 01:42 PM