Visa Gold 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 Gold Credit Card

Visa Gold Credit Card

Visa
BANQUE MISR · Credit cards · Egyptian Pound · 4.0 · Monday 26 October 2026 - 10:31 AM

A credit card for everyday use that combines repayment flexibility, a rewards program, and installment options.

Annual fee
EGP 250
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
    • Purchase APR lower than average
  • I want to avoid card fees
    • Annual fee lower than average
  • I want a card that is easy to get
    • Secured by a deposit, so approval is easier

Not for you if

  • I want the most cashback
  • Annual fee EGP 250 Below the median of 23 Gold cards (EGP 300)
  • Effective APR 60.1%
What it actually costs you

Clearing it in full before the due date, your cost is EGP 250 a year — no interest.

All of this is measured against entry-level cards in EGP only

Last checked Monday 02 November 2026 - 04:00 PM

Card & limits

Contactless Apple Pay
Credit limit
EGP 3,000 – EGP 10,000
Purchase limit abroad (POS)
EGP 100,000
Cash withdrawal limit abroad
EGP 3,000
Monthly intl. online limit (from Egypt)
EGP 400,000

Interest & fees

Effective annual rate (APR)
60.1% (4% /mo)
Nominal APR
48%
Grace period
56 days
Annual fee
EGP 250
Fee waivable
No
Issuance fee
EGP 250
Late payment fee
EGP 75
Over-limit fee
EGP 75
Supplementary card fee/yr
EGP 100
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

Installments · up to 36 mo
Points per EGP
2
Detailed benefits
Shopping 2
  • التقسيط استخدام البطاقة في تقسيط عمليات السحب النقدي والمشتريات على فترات تصل الى 36 شهر بعائد مدين مميز.
  • نقاط مكافآت احصل على 2 نقاط لكل جنيه على مشترياتك محليًا أو دولياً.
Lifestyle 1
  • السحب النقدي إمكانية استخدام 100% من الحد الائتماني للبطاقة في السحب النقدي.

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 TransferSavings Vessel (Certificate / Deposit)
Required documents
National ID CopyBank Statement (Last 3 Months)Recent Utility Bill
Eligibility criteria
Min supplementary age16
Nationalityegyptian

Do the maths

Visa Gold 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 Installment Options: The card earns 2 points per EGP spent and offers 10,000 welcome points upon meeting the required spending threshold.
  • interest-free installments of up to 60 months at participating merchants

Cons

  • Limited Additional Benefits: The card focuses on purchases, rewards, and installment options, without including broader benefits such as purchase protection or complimentary airport lounge access among the listed features.

Our take

The Banque Misr Visa Gold Credit Card offers a range of benefits for everyday spending, including local and international purchases and cash withdrawals, a repayment period of up to 56 days, and installment plans of up to 60 months without interest at participating merchants. Its rewards program earns 2 points per EGP spent, along with 10,000 welcome points when spending EGP 1,000 within the first three months of issuance. However, its benefits focus primarily on everyday spending and rewards, rather than offering an extensive range of additional travel and purchase protection benefits.

A credit card for everyday use that combines repayment flexibility, a rewards program, and installment options.

Compare

Alternatives at a glance
Visa Gold Credit Card Visa Gold Credit Card BANQUE MISR This oneAAIB Gold Cashback Visa Credit Card AAIB Gold Cashback Visa Credit Card Arab African International Bank AIB Gold Visa Credit Card AIB Gold Visa Credit Card ARAB INTERNATIONAL BANK Arab Bank Gold Visa Credit Card Arab Bank Gold Visa Credit Card arab bank egypt
Annual fee
EGP 250 EGP 300 EGP 300 EGP 100
Rewards
Rewards points Rewards points None None
Effective APR
60.1% 60.1% 60.1% 34.33%
Compare with 3 similar credit cards

Added Monday 26 October 2026 - 10:24 AM Updated Monday 26 October 2026 - 02:21 PM