Visa Classic — National Bank of Egypt | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Active offer 0% installments
Visa Classic

Visa Classic

Visa
National Bank of Egypt · Credit cards · Egyptian Pound · 2.5 · Wednesday 01 July 2026 - 08:31 AM

Visa Classic card is a card designed to meet basic, everyday needs.

Annual fee
EGP 150
Rewards
Rewards points
Effective APR
51.11%
32 live offers on this card Discount 28 · Zero Interest Installment 4 · Triple Zero 3

Nearest end first · 6 of 32

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
    • Minimum credit limit lower than average

Not for you if

  • I want the most cashback
  • Annual fee EGP 150 Below the median of 36 Classic cards (EGP 250)
  • Effective APR 51.11% Below the median of 35 Classic cards (60.1%)
What it actually costs you

Clearing it in full before the due date, your cost is EGP 150 a year — no interest.

What's good

  • Interest-free instalments

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 1 – EGP 9,999
Purchase limit abroad (POS)
EGP 50,000
Cash withdrawal limit abroad
EGP 3,750
Monthly intl. online limit (from Egypt)
EGP 100,000

Interest & fees

Effective annual rate (APR)
51.11% (3.5% /mo)
Nominal APR
42%
Installment interest
3.5%
Grace period
55 days
Annual fee
EGP 150
Fee waivable
No
Issuance fee
EGP 150
Late payment fee
EGP 75
Over-limit fee
EGP 75
Supplementary card fee/yr
EGP 25
Foreign txn fee
3%
Min payment (%)
5%
Min payment (fixed)
EGP 100

Cash advance

Cash advance APR (effective)
51.11% (3.5% /mo)
Cash advance APR (nominal)
42%
Domestic
Domestic cash advance fee
EGP 5
Cash advance limit
Up to 100% of the credit limit in cash
Abroad
Cash advance fee abroad
3% (min EGP 100)

Rewards & benefits

Installments · up to 36 mo Purchase protection
Rewards program
نقاط الأهلي للمكافات
Points per EGP
1
Signup bonus
نقطة لكل جنيه
Detailed benefits
Other 1
  • الأهلي فون خدمة العملاء واجابة جميع استفساراتهم من خلال خدمة الأهلي فون 19623 محليا و 0020219623 على الصعيد الدولي
Lifestyle 1
  • برنامج نقاط البنك الأهلي الحصول على نقطة لكل جنيه يتم استخدامه في المشتريات
Shopping 2
  • المرونة استخدام البطاقة محليا ودوليا في المشتريات والسحب النقدى.
  • الأمان التسوق الامن عبر الأنترنت من خلال خدمة الكود الامن للشراء ( OTP )

Eligibility

Min salary
EGP 0
Min monthly income
EGP 0
Min age
21
Max age
60
Approved employer
No
Accepted employment types
EmployedGovernmentMilitarySelf-EmployedPensionerFreelancer
Accepted professions
any profession
Accepted security types
Salary TransferSavings Vessel (Certificate / Deposit)Credit Card-Backed
Required documents
National ID CopyPassport CopyBank Statement (Last 6 Months)Recent Salary CertificateTax CardCommercial RegisterRecent Utility Bill
Eligibility criteria
Min supplementary age15
Nationalityboth

Do the maths

Visa Classic

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 2.5

2.5 Banky rating

Pros

  • Generous grace period: The card offers a grace period of up to 55 days on purchases, allowing you to settle your balance without incurring interest.
  • Payment flexibility: You can pay a minimum of just 5% of the total outstanding balance each month.
  • Pay for purchases in installments of up to 12 months, interest-free, at a very wide network of merchants partnered with Al Ahli Bank.
  • Ahly Points

Cons

  • Low credit limit: The card's maximum credit limit is 9,999 EGP, making it unsuitable for large purchases or booking expensive trips and services.
  • The interest rate is 3.50% per month on purchases and cash withdrawals (for both secured cards—backed by certificates or deposits—and unsecured cards).
  • Interest (3.50% monthly) on cash withdrawals from ATMs begins to accrue immediately from the day of the withdrawal; the grace period does not apply.

Our take

The Visa Classic credit card from the National Bank of Egypt (NBE) is an excellent entry-level option for those new to using credit cards—such as young adults or individuals just starting their careers—as well as for anyone looking for a card that helps prevent overspending. It also allows for effective management of installment transactions, fostering financial discipline. With a maximum credit limit of 9,999 EGP, it is an ideal choice if you are concerned about accumulating debt and prefer a lower cap on daily expenses, such as purchases at supermarkets or gas stations.

Visa Classic card is a card designed to meet basic, everyday needs.

Compare

Alternatives at a glance
Visa Classic Visa Classic National Bank of Egypt This oneStandard Mastercard Standard Mastercard National Bank of Egypt CIB Classic Cashback Mastercard Credit Card CIB Classic Cashback Mastercard Credit Card CIB Egypt Split Credit Card Split Credit Card Egbank
Annual fee
EGP 150 EGP 150 EGP 350 EGP 500
Rewards
Rewards points Rewards points 5% cashback Rewards points
Effective APR
51.11% 51.11% 59.92% 42.58%
Compare with 3 similar credit cards

Added Wednesday 01 July 2026 - 08:22 AM Updated Monday 26 October 2026 - 01:42 PM