Classic credit card
A practical and secure credit card featuring robust insurance perks and a long grace period, though users must manage balances carefully to avoid high interest charges.
- Annual fee
- EGP 300
- Rewards
- Rewards points
- 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 a card that is easy to get
- Minimum credit limit lower than average
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 the most cashback
- Annual fee EGP 300 Above the median of 36 Classic cards (EGP 250)
- Effective APR 79.38% Above 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 300 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
- Credit limit
- EGP 2,964 – EGP 9,999
- Purchase limit abroad (POS)
- EGP 7,750
- Cash withdrawal limit abroad
- EGP 0
Interest & fees
- Effective annual rate (APR)
- 79.38% (4.99% /mo)
- Nominal APR
- 59.88%
- Grace period
- 57 days
- Annual fee
- EGP 300
- Fee waivable
- No
- Issuance fee
- EGP 300
- Late payment fee
- EGP 200
- Over-limit fee
- EGP 150
- Supplementary card fee/yr
- EGP 200 (first 4 free)
- 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
- Rewards program
- Points Plus
- Points per EGP
- 1
Eligibility
- Min age
- 21
- Max age
- 65
- Approved employer
- No
- Accepted employment types
- EmployedGovernmentMilitarySelf-EmployedFreelancerPensioner
- Accepted professions
- any profession
| Min supplementary age | 15 |
| Nationality | both |
Do the maths
Our take
Pros
- An extended interest-free grace period of up to 57 days on purchases.
- Comprehensive protection and insurance features, including smart wallet insurance and life insurance coverage in case of death or total permanent disability.
- The option to obtain up to 4 free supplementary cards to share benefits with loved ones.
Cons
- Relatively high monthly interest rate on purchases (4.99% monthly with an effective APR of 79.38%).
- Initial restrictions and caps on international spending and transactions following card issuance based on current policies.
- Relatively low maximum credit limit capped at EGP 9,999.
Our take
The Classic credit card is an excellent choice for users seeking financial flexibility with accessible requirements. It offers a generous grace period of up to 57 days, a versatile Points Plus rewards program, comprehensive wallet and life insurance protections, and easy installment plans that efficiently support everyday purchasing needs.
A practical and secure credit card featuring robust insurance perks and a long grace period, though users must manage balances carefully to avoid high interest charges.
Compare
| Classic credit card Emirates NBD This one |  FAB Classic Mastercard Credit Card FABMISR | QNB Classic Visa Credit Card QNB EGYPT |  بطاقة ماستركاردة الذهبية الائتمانية banque du caire |
|---|---|---|---|
| Annual fee | |||
| EGP 300 | EGP 250 | EGP 3,000 | EGP 300 |
| Rewards | |||
| Rewards points | Rewards points | Rewards points | Rewards points |
| Effective APR | |||
| 79.38% | 67.46% | 66.69% | 65.73% |
Added Wednesday 01 July 2026 - 02:34 PM Updated Tuesday 27 October 2026 - 10:13 AM