Al-Arabi Card
A credit card dedicated to purchasing electronics and durable goods from Al Araby and its authorized distributors, with 24-month installments and no down payment.
- Annual fee
- EGP 50
- Rewards
- None
- Effective APR
- 60.1%
Banky Analysis
A card's value depends on how you use it, so no single rating is honest for everyone
Suits you if
- 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 pay my card off in full
- Annual fee lower than average
- I want the most cashback
Not yet evaluated for: I want a card that is easy to get
- Annual fee EGP 50 Below the median of 36 Classic cards (EGP 250)
- Effective APR 60.1%
What it actually costs you
Clearing it in full before the due date, your cost is EGP 50 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 150,000
Interest & fees
- Effective annual rate (APR)
- 60.1% (4% /mo)
- Nominal APR
- 48%
- Grace period
- 56 days
- Annual fee
- EGP 50
- Fee waivable
- No
- Issuance fee
- EGP 100
- Late payment fee
- EGP 75
- Over-limit fee
- EGP 75
- Supplementary card fee/yr
- EGP 50
- Min payment (%)
- 5%
- Min payment (fixed)
- EGP 100
Cash advance
- Cash advance APR (effective)
- 60.1% (4% /mo)
- Cash advance APR (nominal)
- 48%
Rewards & benefits
- شراء السلع من شركة العربي شراء السلع المعمرة والإلكترونية من جميع منافذ البيع التابعة لشركة العربي وكذلك من خلال العديد من موزعيه المعتمدين بالقاهرة والمحافظات.
- سهولة سداد الأقساط بالبطاقة سهولة سداد الأقساط بالبطاقة لدى كافة فروع البنك المنتشرة بكافة أنحاء الجمهورية وعلى مدار 24 ساعة يومياً من فروع البنك بالعديد من المطارات والفنادق.
- التقسيط حتى 24 شهراً تقسيط قيمة المشتريات على 24 شهراً بدون مقدم وبأقل قسط شهري.
Eligibility
- Min age
- 21
- Approved employer
- No
- Accepted employment types
- EmployedGovernmentMilitarySelf-EmployedPensionerFreelancerUnemployed
- Accepted professions
- any profession
- Accepted security types
- Salary TransferWithout Salary TransferSavings Vessel (Certificate / Deposit)
- Required documents
- National ID CopySalary Slip (Last 3 Months)Recent Utility Bill
| Nationality | egyptian |
Do the maths
Our take
Pros
- The ability to pay for purchases in 24 monthly installments with no down paymen.
- alongside access to Al Araby’s maintenance services
Cons
- - The card can only be used to purchase from Al Araby outlets and authorized distributors, limiting its use for other purchases.
Our take
Bank Misr–Al Araby Credit Card offers a financing solution for customers looking to purchase home appliances, electronics, and other durable goods from Al Araby outlets and authorized distributors. It allows customers to pay for purchases in installments over 24 months with no down payment, helping spread the purchase cost across monthly payments. Cardholders can also benefit from Al Araby’s maintenance centers and repay installments through Bank Misr branches. However, the card is restricted to purchases from Al Araby outlets and authorized distributors, limiting its flexibility compared with general-purpose credit cards accepted at a wider range of merchants.
A credit card dedicated to purchasing electronics and durable goods from Al Araby and its authorized distributors, with 24-month installments and no down payment.
Compare
| Al-Arabi Card BANQUE MISR This one |  Installment card BANQUE MISR |  Visa Silver Credit Card banque du caire |  Arab Bank "Travel Mate" Visa Credit Card arab bank egypt |
|---|---|---|---|
| Annual fee | |||
| EGP 50 | EGP 75 | EGP 250 | EGP 5,000 |
| Rewards | |||
| None | None | None | None |
| Effective APR | |||
| 60.1% | 42.58% | 60.1% | 34.33% |
Added Thursday 22 October 2026 - 05:13 PM Updated Monday 26 October 2026 - 02:25 PM