HDB Royal 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 Royal Mastercard Credit Card

HDB Royal Mastercard Credit Card

Mastercard
Housing and Development Bank · Credit cards · Egyptian Pound · 4.0 · Thursday 02 July 2026 - 01:32 PM

An elite credit card with a very high credit limit, premium travel benefits, and rewarding features, ideal for high-net-worth and high-spending customers.

Annual fee
EGP 500
Rewards
Rewards points
Effective APR
60.1%
3 live offers on this card Discount 2 · 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
    • Secured by a deposit, so approval is easier

Not for you if

  • I want the most cashback
  • Annual fee EGP 500 Below the median of 37 Platinum cards (EGP 600)
  • Effective APR 60.1%
What it actually costs you

Clearing it in full before the due date, your cost is EGP 500 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 50,000 – EGP 3,000,000
Purchase limit abroad (POS)
EGP 5,000
Cash withdrawal limit abroad
EGP 120

Interest & fees

Effective annual rate (APR)
60.1% (4% /mo)
Nominal APR
48%
Grace period
56 days
Annual fee
EGP 500
Fee waivable
No
Issuance fee
Free issuance
Late payment fee
EGP 150
Over-limit fee
EGP 150
Supplementary card fee/yr
EGP 300 (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
3
Detailed benefits
Lifestyle 2
  • السحب المحلي والدولي وسهولة الاستخدام استخدام البطاقة للشراء من كافة نقاط البيع والمتاجر الإلكترونية محليًا ودوليًا، وأيضًا خاصية Contactless للمدفوعات السريعة والآمنة.
  • البطاقات الإضافية إمكانية إصدار حتى 4 بطاقات إضافية لأفراد الأسرة، وأول بطاقتين مجانًا
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
National ID CopySalary Slip (Last 3 Months)
Eligibility criteria
Min supplementary age18
Nationalityegyptian

Do the maths

HDB Royal 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 Platinum Royal Credit Card is among the bank’s most prestigious credit cards, offering a substantial credit limit of up to EGP 3 million. It is designed for affluent customers with significant spending requirements and provides a premium blend of credit flexibility, travel benefits, and rewards. Cardholders enjoy up to 56 days of interest-free purchases, installment plans for up to 36 months, airport lounge access through Mastercard Travel Pass, free life insurance coverage, and a rewards program that offers cashback redemption of up to 2% on purchases. The card also incorporates advanced security features to ensure safe local and international transactions.

An elite credit card with a very high credit limit, premium travel benefits, and rewarding features, ideal for high-net-worth and high-spending customers.

Compare

Alternatives at a glance
HDB Royal Mastercard Credit Card HDB Royal Mastercard Credit Card Housing and Development Bank This oneVisa Platinum Credit Card Visa Platinum Credit Card BANQUE MISR AAIB Platinum Cashback Visa Credit Card Arab African International Bank AIB Platinum Visa Credit Card AIB Platinum Visa Credit Card ARAB INTERNATIONAL BANK
Annual fee
EGP 500 EGP 500 EGP 600 EGP 600
Rewards
Rewards points Rewards points Rewards points Rewards points
Effective APR
60.1% 60.1% 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