TMG World Mastercard
An elite world-tier credit card offering unprecedented cashback rewards and massive credit limits for top-tier TMG clients, though it carries substantial annual fees and high interest rates upon delayed repayment.
- Annual fee
- EGP 3,000
- Rewards
- 5% cashback
- Effective APR
- 79.38%
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 want the most cashback
- Offers cashback
Not for you if
- I carry a balance month to month
- Purchase APR higher than average
- 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 3,000
- Effective APR 79.38% Above the median of 8 World cards (60.01%)
What it actually costs you
Clearing it in full before the due date, your cost is EGP 3,000 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
- Credit limit
- EGP 300,000 – EGP 5,000,000
Interest & fees
- Effective annual rate (APR)
- 79.38% (4.99% /mo)
- Nominal APR
- 59.88%
- Grace period
- 57 days
- Annual fee
- EGP 3,000
- Fee waivable
- No
- Issuance fee
- EGP 3,000
- Late payment fee
- EGP 200
- Over-limit fee
- EGP 150
- Supplementary card fee/yr
- EGP 1,500
- Min payment (%)
- 5%
- Min payment (fixed)
- EGP 100
Cash advance
- Domestic cash advance fee
- 4% (min EGP 50)
- Cash advance limit
- Up to 100% of the credit limit in cash
- Cash advance fee abroad
- 10% (min EGP 60)
Rewards & benefits
- Cashback rate
- 5%
- Rewards program
- Points Plus
- Points per EGP
- 10
Eligibility
- Min age
- 21
- Max age
- 65
- Approved employer
- No
- Accepted employment types
- EmployedGovernmentMilitarySelf-EmployedPensionerFreelancer
- Accepted professions
- any profession
| Min supplementary age | 15 |
| Nationality | both |
Do the maths
Our take
Pros
- An unmatched, uncapped 5% cashback rate (10 points per EGP 1) on all transactions within Talaat Moustafa Group destinations.
- A massive and exclusive credit limit ranging from 300,000 to 5,000,000 EGP to suit ultra-high-net-worth spending needs.
- An extended interest-free grace period of up to 57 days combined with premium rewards and comprehensive financial flexibility.
Cons
- Very high issuance and annual fees of 3,000 EGP each, reflecting its top-tier world status.
- High monthly purchase interest rate (4.99% monthly with an effective APR of 79.38%).
Our take
The TMG World Mastercard is the ultimate ultra-premium credit card tailored for VIP customers and Talaat Moustafa Group enthusiasts. It delivers an industry-leading, uncapped 5% cashback rate (equivalent to 10 points per EGP 1) on all group destination spending, backed by an exclusive credit limit ranging from 300,000 to 5,000,000 EGP, an extended 57-day grace period, and a luxurious suite of travel, lifestyle, and security perks.
An elite world-tier credit card offering unprecedented cashback rewards and massive credit limits for top-tier TMG clients, though it carries substantial annual fees and high interest rates upon delayed repayment.
Compare
| TMG World Mastercard Emirates NBD This one |  World Mastercard Credit Card Emirates NBD |  World Credit Card Egbank |  Banque Misr World Mastercard Credit Card BANQUE MISR |
|---|---|---|---|
| Annual fee | |||
| EGP 3,000 | EGP 3,000 | EGP 3,500 | EGP 2,500 |
| Rewards | |||
| 5% cashback | Rewards points | Rewards points | Rewards points |
| Effective APR | |||
| 79.38% | 79.38% | 74.52% | 60.1% |
Added Monday 26 October 2026 - 03:25 PM Updated Tuesday 27 October 2026 - 03:42 AM