EFG Hermes ONExBank NXT Credit Card — bank nxt | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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EFG Hermes ONExBank NXT Credit Card

EFG Hermes ONExBank NXT Credit Card

Visa
bank nxt · Credit cards · Egyptian Pound · 3.5 · Tuesday 27 October 2026 - 07:59 AM

The EFG Hermes ONE X Bank NXT Credit Card offers a range of benefits, including cashback, flexible installments, local and international shopping, and airport lounge access, with no issuance fees.

Annual fee
EGP 1,000
Rewards
Cashback
Effective APR
59.92%

Banky Analysis

Evaluated per usage pattern

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 the most cashback
    • Offers cashback

Not for you if

  • I want to avoid card fees
    • Annual fee higher than average
  • I want a card that is easy to get
    • Minimum credit limit higher than average
  • Annual fee EGP 1,000 Above the median of 37 Platinum cards (EGP 600)
  • Effective APR 59.92%
What it actually costs you

Clearing it in full before the due date, your cost is EGP 1,000 a year — no interest.

Not known yet

1 more detail we don't have yet

All of this is measured against premium cards in EGP only

Last checked Monday 02 November 2026 - 04:00 PM

Card & limits

Contactless
Credit limit
EGP 50,000 – EGP 1,000,000

Interest & fees

Effective annual rate (APR)
59.92% (3.99% /mo)
Nominal APR
47.88%
Grace period
58 days
Annual fee
EGP 1,000
Fee waivable
No
Issuance fee
Free issuance
Late payment fee
EGP 150
Over-limit fee
EGP 200
Supplementary card fee/yr
EGP 500
Foreign txn fee
3%
Min payment (%)
5%
Min payment (fixed)
EGP 100

Cash advance

Cash advance APR (effective)
59.92% (3.99% /mo)
Cash advance APR (nominal)
47.88%
Domestic
Domestic cash advance fee
EGP 60
Cash advance limit
Up to 100% of the credit limit in cash
Abroad
Cash advance fee abroad
EGP 70

Rewards & benefits

Lounge access Installments · up to 60 mo Cashback
Detailed benefits
Cash 1
  • كاش باك مستمر احصل على كاش باك مستمر يُضاف تلقائيًا إلى رصيد محفظة EFG Hermes عند استخدام بطاقات EFG Hermes ONE X Bank NXT الائتمانية في إنفاقك اليومي.
Lifestyle 1
  • السحب النقدي يمكنك سحب مبالغ نقدية تصل إلى 100% من الحد الائتماني للبطاقة.
Shopping 1
  • التسوق محليًا ودوليًا استمتع بالتسوق بسهولة داخل مصر وخارجها، في أي مكان تُقبل فيه البطاقة.

Eligibility

Min age
21
Approved employer
No
Accepted employment types
EmployedMilitarySelf-EmployedPensionerFreelancerUnemployed
Accepted professions
any profession
Required documents
National ID Copy
Eligibility criteria
Min supplementary age16

Do the maths

EFG Hermes ONExBank NXT Credit Card

Find the card tiers you qualify for and an estimated credit limit.

Enter values to see the result.

Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 3.5

3.5 Banky rating

Pros

  • Access airport lounges through the Visa Airport Companion app.
  • Open a Bank NXT Premiere account for free and enjoy a range of exclusive banking services and benefits.
  • Withdraw cash up to 100% of your card's credit limit.

Cons

  • The card is available exclusively to EFG Hermes clients.

Our take

The EFG Hermes ONE X Bank NXT Credit Card offers a range of benefits tailored to everyday spending and travel needs. It allows cardholders to shop locally and internationally, withdraw cash, enjoy a grace period of up to 58 days, and access flexible installment plans of up to 60 months. The card also provides ongoing cashback automatically credited to the EFG Hermes wallet, airport lounge access through the Visa Airport Companion app, and enhanced security for online transactions. With easy application and activation processes and no issuance fees, the card combines spending flexibility with convenient travel and lifestyle benefits.

The EFG Hermes ONE X Bank NXT Credit Card offers a range of benefits, including cashback, flexible installments, local and international shopping, and airport lounge access, with no issuance fees.

Compare

Alternatives at a glance
EFG Hermes ONExBank NXT Credit Card EFG Hermes ONExBank NXT Credit Card bank nxt This onePlatinum Credit Card Platinum Credit Card saib bank platinum credit card platinum credit card bank nxt CIB Platinum Mastercard Credit Card CIB Platinum Mastercard Credit Card CIB Egypt
Annual fee
EGP 1,000 EGP 650 EGP 700 EGP 700
Rewards
Cashback Rewards points None Rewards points
Effective APR
59.92% 59.92% 59.92% 59.92%
Compare with 3 similar credit cards

Added Tuesday 18 August 2026 - 10:28 AM Updated Tuesday 27 October 2026 - 07:54 AM