Visa Gold
The Visa Gold card is your best and most cost-effective choice, offering the added benefit of advisory services for medical or legal emergencies while you are outside Egypt.
- 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
- Amazon Prime amazon prime
- 10% discount at Parnassus Bookstores. Bernasos
- Parnassus No merchant
- خصم 15% لدى فنادق كونكورد السلام شرم الشيخ Concorde El Salam Hotels Sharm El Sheikh
- خصم 15% لدى فندق كونكورد مورين مرسى علم Concorde Moreen Beach Resort & Spa, Marsa Alam
- Rizkalla Rizkallah
Nearest end first · 6 of 32
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 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 23 Gold cards (EGP 300)
- Effective APR 51.11% Below the median of 22 Gold 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
- Credit limit
- EGP 1 – EGP 49,999
- Purchase limit abroad (POS)
- EGP 49,999
- Cash withdrawal limit abroad
- EGP 5,250
- Monthly intl. online limit (from Egypt)
- EGP 30,000
Interest & fees
- Effective annual rate (APR)
- 51.11% (3.5% /mo)
- Nominal APR
- 42%
- Installment interest
- 95%
- 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 150 (first 1 free)
- 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 cash advance fee
- EGP 5
- Cash advance limit
- Up to 100% of the credit limit in cash
- Cash advance fee abroad
- 3% (min EGP 100)
Rewards & benefits
- Rewards program
- نقاط الأهلي للمكافات
- Points per EGP
- 1
- Points expiry
- 12 mo
- Signup bonus
- نقطة لكل جنيه
- خدمات النصح في حالات الطوارئ الطبية الاستفادة من خدمات النصح في حالات الطوارئ الطبية أو القانونية أثناء تواجدك خارج مصر بالاتصال بأحد الأرقام المذكورة في 'Visa Premium Service cardholder line
- برنامج نقاط الأهلي للمكافات الحصول على نقطة لكل جنيه يتم استخدامه في المشتريات
- المرونة استخدام البطاقة محليا ودوليا في المشتريات والسحب النقدى.
Eligibility
- Min salary
- EGP 5,000
- Min monthly income
- EGP 5,000
- Min age
- 21
- Max age
- 60
- Approved employer
- No
- Accepted employment types
- EmployedGovernmentMilitarySelf-EmployedFreelancer
- 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)Tax CardCommercial RegisterRecent Utility Bill
| Min supplementary age | 15 |
| Nationality | both |
Do the maths
Our take
Pros
- The card’s maximum credit limit reaches EGP 49,999, offering you greater flexibility for medium and large purchases compared to lower-tier cards.
- Free supplementary cards: The card allows you to obtain a supplementary card for free.
- High cash withdrawal limit: The credit limit available for cash withdrawals is 30,000 EGP per day.
- International Support Services: Access medical or legal emergency advice while outside Egypt by calling the dedicated Visa cardholder helpline.
- Free SMS notifications to track spending activity.
- Installment plans: Option to pay for purchases in installments over periods of up to 12 months interest-free at participating merchants, or via phone with reduced interest rates for up to 36 months.
Cons
- The Visa Gold card does not offer complimentary airport lounge access.
- The interest rate is 3.50% per month if the full outstanding balance is not paid within the grace period.
Our take
The Visa Gold card is the best and most balanced choice for employees or professionals seeking a credit limit of around 50,000 EGP—useful for covering emergencies or paying for home appliances in flexible installments. It also includes the benefit of a free supplementary card for a family member, as well as access to advisory services for medical or legal emergencies while you are abroad. However, if you travel internationally frequently, the "Titanium" or "Platinum" tiers might be more attractive options, as they offer additional travel-related benefits.
The Visa Gold card is your best and most cost-effective choice, offering the added benefit of advisory services for medical or legal emergencies while you are outside Egypt.
Compare
| Visa Gold National Bank of Egypt This one |  Visa Gold Credit Card SUEZ CANAL BANK |  AlexBank Gold Mastercard Credit Card Alex Bank |  CIB Gold Mastercard Credit Card CIB Egypt |
|---|---|---|---|
| Annual fee | |||
| EGP 150 | EGP 300 | EGP 350 | EGP 300 |
| Rewards | |||
| Rewards points | Rewards points | 75% cashback | Rewards points |
| Effective APR | |||
| 51.11% | 55.55% | 32.92% | 59.92% |
Added Wednesday 01 July 2026 - 08:49 AM Updated Monday 26 October 2026 - 01:46 PM