Active offer

SAIB Titanium Mastercard Credit Card

saib bank · Credit cards · Egyptian Pound · 4.0 · Monday 06 July 2026 - 02:04 PM

A rewarding everyday credit card with airport lounge access, loyalty points, and flexible payment features.

Annual fee: EGP 450
Rewards: Rewards points
Effective APR: 64.78%

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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 want to avoid card fees
- Annual fee lower than average
I want a card that is easy to get
- Secured by a deposit, so approval is easier

Not for you if

I carry a balance month to month
- Purchase APR higher than average
I want the most cashback

Annual fee EGP 450 Above the median of 22 Titanium cards (EGP 375)
Effective APR 64.78%

What it actually costs you

Clearing it in full before the due date, your cost is EGP 450 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

Contactless

Credit limit: EGP 15,000 – EGP 49,999
Purchase limit abroad (POS): EGP 3,000
Cash withdrawal limit abroad: EGP 200
Monthly intl. online limit (from Egypt): EGP 5,000

Interest & fees

Effective annual rate (APR): 64.78% (4.25% /mo)
Nominal APR: 51%
Grace period: 58 days
Annual fee: EGP 450
Fee waivable: No
Issuance fee: EGP 450
Late payment fee: EGP 150
Over-limit fee: EGP 200
Supplementary card fee/yr: EGP 350
Foreign txn fee: 3%
Min payment (%): 5%
Min payment (fixed): EGP 100

Cash advance

Cash advance APR (effective): 64.78% (4.25% /mo)
Cash advance APR (nominal): 51%
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

Installments · up to 36 mo

Points per EGP: 0.6

Eligibility

Min salary: EGP 5,000
Approved employer: No
Accepted employment types: EmployedSelf-EmployedPensionerFreelancerMilitary
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

Do the maths

SAIB Titanium Mastercard Credit Card

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 4.0

4.0 Banky rating

Pros

Access to VIP lounges at many airports.

Cons

Relatively high issuance costs

Our take

The SAIB Titanium Credit Card is a solid choice for customers seeking everyday rewards, flexible spending, up to 58 days grace period, airport lounge access, and a credit limit of up to EGP 49,999.

A rewarding everyday credit card with airport lounge access, loyalty points, and flexible payment features.

Compare

Alternatives at a glance
SAIB Titanium Mastercard Credit Card saib bank This one	EBank Titanium Mastercard Credit Card Export Development Bank of Egypt	HDB Titanium Mastercard Credit Card Housing and Development Bank	Banque Misr Titanium Mastercard Credit Card BANQUE MISR
Annual fee
EGP 450	EGP 350	EGP 300	EGP 350
Rewards
Rewards points	None	Rewards points	Rewards points
Effective APR
64.78%	60.1%	60.1%	60.1%

Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:54 AM Updated Monday 26 October 2026 - 02:15 PM

Min supplementary age	18
Nationality	egyptian