Titanium Credit Card
A well-rounded titanium credit card offering great airport lounge and insurance perks alongside a flexible credit limit, though users should manage balances carefully to avoid high interest charges.
- Annual fee
- EGP 400
- 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 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 carry a balance month to month
- Purchase APR higher than average
- I want the most cashback
- Annual fee EGP 400 Above the median of 22 Titanium cards (EGP 375)
- Effective APR 79.38% Above the median of 21 Titanium cards (64.78%)
What it actually costs you
Clearing it in full before the due date, your cost is EGP 400 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 10,000 – EGP 49,999
- 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 400
- Fee waivable
- No
- Issuance fee
- EGP 400
- Late payment fee
- EGP 200
- Over-limit fee
- EGP 150
- Supplementary card fee/yr
- EGP 200
- Min payment (%)
- 5%
- Min payment (fixed)
- EGP 100
Cash advance
- Domestic cash advance fee
- 4% (min EGP 50)
- 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-EmployedPensionerFreelancer
- Accepted professions
- any profession
| Min supplementary age | 15 |
| Nationality | both |
Do the maths
Our take
Pros
- Complimentary access to airport lounges in Egypt and the Middle East for 3 months via the Mastercard Travel Pass app.
- A flexible and practical credit limit ranging between 10,000 and 49,999 EGP to suit various purchasing power needs.
- Comprehensive protection features including wallet insurance, roadside assistance, and life insurance coverage.
Cons
- Relatively high monthly purchase interest rate (4.99% monthly with an effective APR of 79.38%).
- Initial restrictions and caps on international spending upon card issuance before gradual increases.
- Fixed issuance and annual fees of 400 EGP each.
Our take
The Titanium Credit Card strikes a strong balance between everyday rewards and premium travel perks. It offers a generous grace period of up to 57 days, a flexible credit limit ranging from 10,000 to 49,999 EGP, and attractive benefits including complimentary airport lounge access via the Mastercard Travel Pass app, the Points Plus rewards program, and comprehensive insurance and roadside assistance.
A well-rounded titanium credit card offering great airport lounge and insurance perks alongside a flexible credit limit, though users should manage balances carefully to avoid high interest charges.
Compare
| Titanium Credit Card Emirates NBD This one |  TMG Visa Titanium Card Emirates NBD |  Mashreq Titanium Mastercard Credit Card Mashreq Egypt |  Titanium Credit Card Egbank |
|---|---|---|---|
| Annual fee | |||
| EGP 400 | EGP 400 | EGP 300 | EGP 500 |
| Rewards | |||
| Rewards points | 3% cashback | None | Rewards points |
| Effective APR | |||
| 79.38% | 79.38% | 79.38% | 74.52% |
Added Wednesday 01 July 2026 - 02:39 PM Updated Tuesday 27 October 2026 - 11:52 AM