SAIB Classic Mastercard Credit Card
A practical entry-level credit card with rewards, travel perks, and flexible repayment options.**
- Annual fee
- EGP 300
- Rewards
- Rewards points
- Effective APR
- 69.59%
6 live offers on this card Zero Interest Installment 4 · Triple Zero 1 · Discount 1
- Installment plans for up to 18 months at Rizkallah Rizkallah
- Installment plans for up to 12 months when paying via Paymob POS No merchant
- Installment plans for up to 12 months when paying via Geidea POS Geidea
- تذكرة مجانية vox cinemas
- التقسيط حتى 12 شهرا عند الدفع باستخدام Geidea Geidea
- التقسيط حتى 12 شهرًا باستخدام Paymob Paymob
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
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
Not yet evaluated for: I want a card that is easy to get
- Annual fee EGP 300 Above the median of 36 Classic cards (EGP 250)
- Effective APR 69.59% 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.
Not known yet
1 more detail we don't have yet
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
- Up to EGP 14,999
- Purchase limit abroad (POS)
- EGP 1,000
- Cash withdrawal limit abroad
- EGP 100
- Monthly intl. online limit (from Egypt)
- EGP 2,000
Interest & fees
- Effective annual rate (APR)
- 69.59% (4.5% /mo)
- Nominal APR
- 54%
- Grace period
- 58 days
- Annual fee
- EGP 300
- Fee waivable
- No
- Issuance fee
- EGP 300
- Late payment fee
- EGP 150
- Over-limit fee
- EGP 200
- Supplementary card fee/yr
- EGP 300
- Foreign txn fee
- 3%
- Min payment (%)
- 5%
- Min payment (fixed)
- EGP 100
Cash advance
- Cash advance APR (effective)
- 69.59% (4.5% /mo)
- Cash advance APR (nominal)
- 54%
- Domestic cash advance fee
- 7% (min EGP 70)
- Cash advance limit
- Up to 100% of the credit limit in cash
- Cash advance fee abroad
- 10% (min EGP 60)
Rewards & benefits
- Points per EGP
- 0.5
- الدفع باستخدام شبكة ميزة إمكانية استخدام البطاقة في تنفيذ المعاملات لدى ﻛﺎفة الجهات المتاح لديها نقاط بيع شبكة ميزة (مثل: الجهات الحكومية)
- دخول صالات المطارات الدخول إلى صالات كبار الزوار في العديد من المطارات
- عروض وخصومات خصومات في مجموعة متنوعة من المتاجر المختارة.
Eligibility
- Min salary
- EGP 5,000
- Approved employer
- No
- Accepted employment types
- EmployedSelf-EmployedGovernmentPensionerMilitaryFreelancer
- Accepted professions
- any profession
- Accepted security types
- Salary TransferWithout Salary TransferSavings Vessel (Certificate / Deposit)
- Required documents
- National ID CopySalary Slip (Last 3 Months)Recent Utility Bill
| Min supplementary age | 18 |
| Nationality | egyptian |
Do the maths
Our take
Pros
- Access to VIP lounges at many airports.
Cons
- Relatively high issuance costs
Our take
The SAIB Classic Credit Card is a suitable entry-level card for everyday spending, offering up to 58 days grace period, reward points, and essential travel benefits.
A practical entry-level credit card with rewards, travel perks, and flexible repayment options.**
Compare
| SAIB Classic Mastercard Credit Card saib bank This one |  EBank Classic Mastercard Credit Card Export Development Bank of Egypt |  ADCB Classic Visa Credit Card Abu Dhabi Commercial Bank – Egypt |  HDB Classic Mastercard Credit Card Housing and Development Bank |
|---|---|---|---|
| Annual fee | |||
| EGP 300 | EGP 250 | EGP 400 | EGP 200 |
| Rewards | |||
| Rewards points | None | None | Rewards points |
| Effective APR | |||
| 69.59% | 60.1% | 69.59% | 60.1% |
Added Thursday 02 July 2026 - 01:54 AM Updated Monday 26 October 2026 - 02:15 PM