Visa Platinum Credit Card — BANQUE MISR | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Visa Platinum Credit Card

Visa Platinum Credit Card

Visa
BANQUE MISR · Credit cards · Egyptian Pound · 4.0 · Monday 26 October 2026 - 10:15 AM

A credit card offering a comprehensive package of rewards, travel services, purchase protection, and installment options.

Annual fee
EGP 500
Rewards
Rewards points
Effective APR
60.1%

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
  • I want to avoid card fees
    • Annual fee lower than average
  • I want a card that is easy to get
    • Minimum credit limit lower than average

Not for you if

  • I want the most cashback
  • Annual fee EGP 500 Below the median of 37 Platinum cards (EGP 600)
  • Effective APR 60.1%
What it actually costs you

Clearing it in full before the due date, your cost is EGP 500 a year — no interest.

All of this is measured against premium cards in EGP only

Last checked Monday 02 November 2026 - 04:00 PM

Card & limits

Contactless Apple Pay
Credit limit
EGP 25,000 – EGP 100,000
Purchase limit abroad (POS)
EGP 300,000
Cash withdrawal limit abroad
EGP 3,000
Monthly intl. online limit (from Egypt)
EGP 100,000

Interest & fees

Effective annual rate (APR)
60.1% (4% /mo)
Nominal APR
48%
Grace period
56 days
Annual fee
EGP 500
Fee waivable
No
Issuance fee
EGP 500
Late payment fee
EGP 75
Over-limit fee
EGP 75
Supplementary card fee/yr
EGP 300
Foreign txn fee
3%
Min payment (%)
5%
Min payment (fixed)
EGP 100

Cash advance

Cash advance APR (effective)
60.1% (4% /mo)
Cash advance APR (nominal)
48%
Domestic
Domestic cash advance fee
2% (min EGP 15)
Cash advance limit
Up to 100% of the credit limit in cash
Abroad
Cash advance fee abroad
3% (min EGP 50)

Rewards & benefits

Lounge access Installments · up to 36 mo Travel insurance Purchase protection
Points per EGP
3
Detailed benefits
Shopping 1
  • التقسيط إمكانية التقسيط لدى العديد من التجار المتعاقدين مع البنك حتى 60 شهر بدون فوائد
Travel 1
  • دخول صالات المطارات دخول مجاني غير محدود بالعديد من صالات loungekey بالمطارات في جميع انحاء العالم عن طريق تحميل تطبيق Visa airport companion من خلال App store ، play store ( يجب إجراء حركة مشتريات دولية E-commerce / POS سنوياً بعد التسجيل لاستمرار التمتع بالدخول المجاني) .
Lifestyle 1
  • خدمة الرسائل النصية SMS خدمة الرسائل النصية SMS عند إجراء أي معاملات بالبطاقة وإصدار بيان العمليات الشهري لتوضيح قيمة المديونية والحد الأدنى للسداد وإصدار أو تجديد البطاقة.

Eligibility

Min age
21
Max age
65
Approved employer
No
Accepted employment types
EmployedGovernmentMilitarySelf-EmployedPensionerFreelancer
Accepted professions
any profession
Accepted security types
Salary TransferWithout Salary Transfer
Required documents
National ID CopyBank Statement (Last 3 Months)Recent Utility Bill
Eligibility criteria
Min supplementary age16
Nationalityegyptian

Do the maths

Visa Platinum 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 4.0

4.0 Banky rating

Pros

  • Rewards and Travel Benefits: The card earns 3 points per EGP spent and offers 25,000 welcome points upon meeting the required spending threshold.
  • unlimited complimentary access to participating airport lounges, subject to the applicable terms

Cons

  • The issuance costs are relatively high.

Our take

The Banque Misr Visa Platinum Card offers a diverse range of benefits, combining local and international usability with a rewards program that earns 3 points per EGP spent, plus 25,000 welcome points when spending EGP 2,500 within the first three months of issuance. Additional benefits include airport lounge access, purchase protection, extended warranties, and installment plans at participating merchants. However, customers should review the usage and redemption requirements to make the most of the card’s travel and rewards benefits.

A credit card offering a comprehensive package of rewards, travel services, purchase protection, and installment options.

Compare

Alternatives at a glance
Visa Platinum Credit Card Visa Platinum Credit Card BANQUE MISR This oneHDB Royal Mastercard Credit Card HDB Royal Mastercard Credit Card Housing and Development Bank AAIB Platinum Cashback Visa Credit Card Arab African International Bank AIB Platinum Visa Credit Card AIB Platinum Visa Credit Card ARAB INTERNATIONAL BANK
Annual fee
EGP 500 EGP 500 EGP 600 EGP 600
Rewards
Rewards points Rewards points Rewards points Rewards points
Effective APR
60.1% 60.1% 60.1% 60.1%
Compare with 3 similar credit cards

Added Monday 26 October 2026 - 10:08 AM Updated Monday 26 October 2026 - 02:21 PM