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AAIB Gold Cashback Visa Credit Card

Arab African International Bank · Credit cards · Egyptian Pound · 3.0 · Thursday 02 July 2026 - 08:35 AM

This card is an ideal choice for basic daily needs.

Annual fee: EGP 300
Rewards: Rewards points
Effective APR: 60.1%

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 a card that is easy to get
- Secured by a deposit, so approval is easier

Not for you if

I want to avoid card fees
- Annual fee higher than average
I want the most cashback

Annual fee EGP 300
Effective APR 60.1%

What it actually costs you

Clearing it in full before the due date, your cost is EGP 300 a year — no interest.

What's good

Interest-free instalments

All of this is measured against entry-level cards in EGP only

Last checked Monday 02 November 2026 - 04:00 PM

Card & limits

Contactless Apple Pay

Credit limit: EGP 3,000 – EGP 25,000
Purchase limit abroad (POS): EGP 140,000
Cash withdrawal limit abroad: EGP 10,000
Monthly intl. online limit (from Egypt): EGP 50,000

Interest & fees

Effective annual rate (APR): 60.1% (4% /mo)
Nominal APR: 48%
Installment interest: 95%
Grace period: 55 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 300
Foreign txn fee: 3%
Min payment (%): 5%
Min payment (fixed): EGP 100

Cash advance

Cash advance APR (effective): 60.1% (4% /mo)
Cash advance APR (nominal): 48%
Domestic cash advance fee: 3% (min EGP 40)
Cash advance limit: Up to 90% of the credit limit in cash
Cash advance fee abroad: 3% (min EGP 50)

Rewards & benefits

Installments · up to 60 mo Travel insurance Purchase protection

Rewards program: برنامج المكافآت
Points per EGP: 2.5
Signup bonus: 2.5 نقطة لكل جنيه

Eligibility

Min salary: EGP 5,000
Min monthly income: EGP 5,000
Min age: 21
Max age: 65
Approved employer: No
Accepted employment types: EmployedGovernmentMilitarySelf-EmployedFreelancer
Accepted professions: any profession
Accepted security types: Salary TransferWithout Salary TransferSavings Vessel (Certificate / Deposit)Credit Card-BackedCommercial Register & Tax Card
Required documents: National ID CopyPassport CopyBank Statement (Last 6 Months)Recent Utility BillCommercial RegisterTax Card

Do the maths

AAIB Gold Cashback Visa 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 3.0

3.0 Banky rating

Pros

It is the most affordable of the bank's cards, with issuance and annual renewal fees of 300 pounds.
You can pay for purchases and cash withdrawals in installments over periods ranging from 6 months up to 60 months.
The card allows for cash withdrawals of up to 90% of its available credit limit.
"Credit Shield" Insurance Program: The card provides insurance coverage equal to twice the outstanding balance (up to a maximum of EGP 500,000).
The minimum monthly repayment is very flexible, starting at just 5% of the outstanding balance.

Cons

The credit limit is relatively low: the card's credit limit starts at EGP 3,000 and goes up to EGP 25,000.
Local or international cash withdrawals incur fees (3%, with a minimum of EGP 40 for local and EGP 50 for international transactions), in addition to interest calculated from the day of withdrawal.
The foreign exchange (FX) markup for purchases or withdrawals made abroad is 5%.
Limited travel benefits: This card does not grant the holder complimentary access to airport lounges.

Our take

This card is considered an ideal choice for beginners and for meeting basic daily needs. If you are looking for a credit card with a very low annual fee (only 300 EGP) to cover routine monthly purchases or to pay for retail goods in installments, this card serves that purpose highly efficiently and at the lowest possible cost. It is well-suited for modest budgets and purchasing habits: the credit limit (reaching up to 25,000 EGP) is sufficient for daily purchases, utility bills, and moderate shopping.

This card is an ideal choice for basic daily needs.

Compare

Alternatives at a glance
AAIB Gold Cashback Visa Credit Card Arab African International Bank This one	Visa Gold Credit Card BANQUE MISR	AIB Gold Visa Credit Card ARAB INTERNATIONAL BANK	Arab Bank Gold Visa Credit Card arab bank egypt
Annual fee
EGP 300	EGP 250	EGP 300	EGP 100
Rewards
Rewards points	Rewards points	None	None
Effective APR
60.1%	60.1%	60.1%	34.33%

Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:55 AM Updated Monday 26 October 2026 - 07:11 PM

Min supplementary age	16
Nationality	both