HDB Classic Mastercard Credit Card — Housing and Development Bank | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
  • Central Bank of Egypt
  • 🇺🇸 USD Buy 55.37 Sell 55.51 −0.35 −0.63%
  • 🇪🇺 EUR Buy 62.05 Sell 62.22 −0.13 −0.21%
  • 🇬🇧 GBP Buy 74.26 Sell 74.45 −0.36 −0.48%
  • 🇸🇦 SAR Buy 14.75 Sell 14.79 −0.09 −0.63%
  • 🇦🇪 AED Buy 15.07 Sell 15.11 −0.09 −0.62%
  • 🇰🇼 KWD Buy 179.65 Sell 180.15 −1.14 −0.63%
  • 24 Karat 7,040.00 +25.00 +0.36%
  • 21 Karat 6,160.00 +20.00 +0.33%
  • 18 Karat 5,280.00 +15.00 +0.28%
  • Gold Pound 49,280.00 +160.00 +0.33%
  • Ounce 218,970.00 +710.00 +0.33%
Active offer
HDB Classic Mastercard Credit Card

HDB Classic Mastercard Credit Card

Mastercard
Housing and Development Bank · Credit cards · Egyptian Pound · 4.0 · Thursday 02 July 2026 - 01:16 PM

A well-rounded credit card that combines flexible repayment options, rewards, and security features, making it suitable for everyday spending.

Annual fee
EGP 200
Rewards
Rewards points
Effective APR
60.1%
2 live offers on this card Discount 1 · Cashback 1

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 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
    • Secured by a deposit, so approval is easier

Not for you if

  • I want the most cashback
  • Annual fee EGP 200 Below the median of 36 Classic cards (EGP 250)
  • Effective APR 60.1%
What it actually costs you

Clearing it in full before the due date, your cost is EGP 200 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

Contactless
Credit limit
EGP 5,000 – EGP 9,999
Purchase limit abroad (POS)
EGP 200
Cash withdrawal limit abroad
EGP 30
Monthly intl. online limit (from Egypt)
EGP 9,999

Interest & fees

Effective annual rate (APR)
60.1% (4% /mo)
Nominal APR
48%
Grace period
56 days
Annual fee
EGP 200
Fee waivable
No
Issuance fee
EGP 200
Late payment fee
EGP 150
Over-limit fee
EGP 150
Supplementary card fee/yr
EGP 100 (first 4 free)
Foreign txn fee
4%
Min payment (%)
5%
Min payment (fixed)
EGP 100

Cash advance

Cash advance APR (effective)
60.1% (4% /mo)
Cash advance APR (nominal)
48%
Domestic
Domestic cash advance fee
2% (min EGP 25)
Cash advance limit
Up to 100% of the credit limit in cash
Abroad
Cash advance fee abroad
4% (min EGP 100)

Rewards & benefits

Lounge access Installments · up to 36 mo
Points per EGP
1
Detailed benefits
Lifestyle 2
  • البطاقات الإضافية إمكانية إصدار حتى 4 بطاقات إضافية لأفراد الأسرة، وأول بطاقتين مجانًا
  • السحب المحلي والدولي وسهولة الاستخدام استخدام البطاقة للشراء من كافة نقاط البيع والمتاجر الإلكترونية محليًا ودوليًا، وأيضًا خاصية Contactless للمدفوعات السريعة والآمنة.
Insurance 1
  • التأمين المجاني على الحياة (مجانًا) تأمين على الحياة يغطي الرصيد المستحق دون أي رسوم على العملاء لهذه الخدمة.

Eligibility

Min salary
EGP 5,000
Min monthly income
EGP 5,000
Min age
21
Max age
65
Approved employer
Yes
Accepted employment types
EmployedSelf-EmployedGovernmentPensionerMilitaryFreelancer
Accepted professions
any profession
Accepted security types
Salary TransferWithout Salary TransferSavings Vessel (Certificate / Deposit)
Required documents
Bank Statement (Last 3 Months)National ID Copy
Eligibility criteria
Min supplementary age18
Nationalityegyptian

Do the maths

HDB Classic 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

  • A service allowing purchases to be paid in installments over up to 36 months, with administrative fees among the lowest in the Egyptian market.

Cons

  • Relatively high issuance costs

Our take

The Housing & Development Bank Mastercard Classic Credit Card is a suitable option for customers seeking a mid-range credit limit card with a broad set of benefits. Key advantages include free life insurance coverage, complimentary SMS alerts, up to 56 days of interest-free purchases, and installment plans of up to 36 months. The card also offers enhanced security through chip technology and 3D Secure authentication, along with rewards points, cashback redemption options, and exclusive promotional offers.

A well-rounded credit card that combines flexible repayment options, rewards, and security features, making it suitable for everyday spending.

Compare

Alternatives at a glance
HDB Classic Mastercard Credit Card HDB Classic Mastercard Credit Card Housing and Development Bank This oneSAIB Classic Mastercard Credit Card SAIB Classic Mastercard Credit Card saib bank EBank Classic Mastercard Credit Card EBank Classic Mastercard Credit Card Export Development Bank of Egypt ADCB Classic Visa Credit Card ADCB Classic Visa Credit Card Abu Dhabi Commercial Bank – Egypt
Annual fee
EGP 200 EGP 300 EGP 250 EGP 400
Rewards
Rewards points Rewards points None None
Effective APR
60.1% 69.59% 60.1% 69.59%
Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:54 AM Updated Friday 30 October 2026 - 06:42 PM