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

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Active offer
HDB Titanium Mastercard Credit Card

HDB Titanium Mastercard Credit Card

Mastercard
Housing and Development Bank · Credit cards · Egyptian Pound · 4.0 · Thursday 02 July 2026 - 01:23 PM

A solid choice for customers seeking a higher credit limit, travel privileges, rewards, and flexible repayment options in one card.

Annual fee
EGP 300
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
  • 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 want the most cashback
  • Annual fee EGP 300 Below the median of 22 Titanium cards (EGP 375)
  • Effective APR 60.1% Below 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 300 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 10,000 – EGP 49,999
Purchase limit abroad (POS)
EGP 1,500
Cash withdrawal limit abroad
EGP 30

Interest & fees

Effective annual rate (APR)
60.1% (4% /mo)
Nominal APR
48%
Grace period
56 days
Annual fee
EGP 300
Fee waivable
No
Issuance fee
EGP 300
Late payment fee
EGP 150
Over-limit fee
EGP 150
Supplementary card fee/yr
EGP 200 (first 2 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
1.5
Detailed benefits
Insurance 1
  • التأمين المجاني على الحياة (مجانًا) تأمين على الحياة يغطي الرصيد المستحق دون أي رسوم على العملاء لهذه الخدمة.
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.

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 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

  • 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 Titanium Credit Card is designed for customers with medium to high spending needs, offering a strong combination of credit, travel, and rewards benefits. With a credit limit ranging from EGP 10,000 to EGP 49,999, the card provides up to 56 days of interest-free purchases and installment plans of up to 36 months. Additional benefits include airport lounge access through Mastercard Travel Pass, free life insurance coverage, a rewards program with cashback redemption of up to 2% on purchases, and enhanced security features for both local and international transactions.

A solid choice for customers seeking a higher credit limit, travel privileges, rewards, and flexible repayment options in one card.

Compare

Alternatives at a glance
HDB Titanium Mastercard Credit Card HDB Titanium Mastercard Credit Card Housing and Development Bank This oneSAIB Titanium Mastercard Credit Card SAIB Titanium Mastercard Credit Card saib bank EBank Titanium Mastercard Credit Card EBank Titanium Mastercard Credit Card Export Development Bank of Egypt Banque Misr Titanium Mastercard Credit Card Banque Misr Titanium Mastercard Credit Card BANQUE MISR
Annual fee
EGP 300 EGP 450 EGP 350 EGP 350
Rewards
Rewards points Rewards points None Rewards points
Effective APR
60.1% 64.78% 60.1% 60.1%
Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:54 AM Updated Saturday 31 October 2026 - 11:44 PM