AAIB Signature Cashback Visa Credit Card
The Visa Signature card is a premium financial tool for frequent travelers and high-spending international shoppers who wish to enjoy airport and hotel luxuries, as well as travel protection.
- Annual fee
- EGP 1,500
- Rewards
- 10% cashback
- Effective APR
- 60.1%
Banky Analysis
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 a card that is easy to get
- Secured by a deposit, so approval is easier
- I want the most cashback
- Offers cashback
Not for you if
- I want to avoid card fees
- Annual fee higher than average
- Annual fee EGP 1,500 Below the median of 8 Signature cards (EGP 2,500)
- Effective APR 60.1% Above the median of 8 Signature cards (57.83%)
What it actually costs you
Clearing it in full before the due date, your cost is EGP 1,500 a year — no interest.
What's good
- Interest-free instalments
All of this is measured against premium cards in EGP only
Last checked Monday 02 November 2026 - 04:00 PM
Card & limits
- Credit limit
- EGP 60,000 – EGP 1,500,000
- Purchase limit abroad (POS)
- EGP 390,000
- 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 1,500
- Fee waivable
- No
- Issuance fee
- EGP 1,500
- Late payment fee
- EGP 150
- Over-limit fee
- EGP 150
- Supplementary card fee/yr
- EGP 1,500
- 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
- Cashback rate
- 10%
- Rewards program
- برنامج المكافآت
- Points per EGP
- 2.5
- Signup bonus
- 2.5 نقطة لكل جنيه
- خطط تقسيط ميسرة تقسيط مشترياتك المكلفة والسحب النقدي على عدة أشهر بأقل أسعار للفائدة. يمنح برنامج نظام السداد الميسر من البنك العربى الافريقى الدولى الفرصة لجميع حاملي بطاقات الائتمان لتسوية مديوناتهم عن طريق أقساط شهرية تبدأ من ١،٠٠٠ جنيه مصري بأسعار فائدة منخفضة وعلى فترة تتراوح بين ٦ أشهر و٦٠ شهر.
- الحماية التأمينية برنامج "كريدت شيلد" هو برنامج تأميني يتيح لحاملي البطاقات الائتمانية من البنك العربى الافريقى الدولى المطالبة بضعف الرصيد المستحق على البطاقة الائتمانية، بحد أقصى 500,000 جنيه مصري، وذلك في حالة الوفاة أو العجز الكلي الدائم أو الامراض الخطيرة.
- تأمين سفر مجاني احصل على تأمين سفر مجاني عند شرائك تذاكر الطيران ببطاقة ائتمان فيزا Signature من البنك العربى الافريقى الدولى.
- دخول صالات المطارات كونك من حاملي بطاقة Visa Signature الائتمانية من البنك العربى الافريقى الدولى استمتع بدخول مجاني وغير محدود إلى أكثر من 1000 قاعة كبار الزوار والتي يمكنك الاختيار من بينها حول العالم من خلال تطبيق Visa Airport Companion.
- برنامج نقاط مميز اجمع نقاط مكافآت أو استرداد نقدي مع كل عملية شراء تقوم بها من المتاجر أو عبر الإنترنت (دولياً او محلياً) باستخدام بطاقات ائتمان البنك العربى الافريقى الدولى.
- اصدار بطاقات اضافية إمكانية إصدار بطاقات إضافية بدون حد أقصى لعدد البطاقات والحد أدنى لسن حامل البطاقة الإضافية 16 عام وذلك بحد أدنى للحد الائتمانى 2,500 جنيه مصري أو 500 دولار امريكى وذلك بنفس مصاريف اصدار البطاقة الأساسية.
- خدمات المساعدة الشخصية الدولية استمتع بخدمات المساعدة الشخصية الدولية من فيزا بشكل مجاني. الخدمة توفر لك مساعد شخصي لخدمتك عبر الهاتف على مدار اليوم.
- مزايا الفنادق الاستفادة بمزايا فيزا لمجموعة من الفنادق الفارهة.
Eligibility
- Min salary
- EGP 10,000
- Min monthly income
- EGP 10,000
- 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)Tax CardCommercial RegisterRecent Utility Bill
| Min supplementary age | 16 |
| Nationality | both |
Do the maths
Our take
Pros
- Exceptionally high international and domestic usage limits: The card offers you the highest spending limits for purchasing luxury goods or booking flights and hotels, without worrying about exceeding the limit.
- Complimentary Airport Lounge Access: The card grants you unlimited complimentary access to numerous VIP lounges at airports worldwide.
- Highest reward point accumulation rate: The card awards you more points for every pound spent domestically or internationally.
- Visa Concierge Service: Round-the-clock local and international support for booking restaurants, flights, and events, or assisting with travel arrangements.
- Comprehensive and complimentary travel insurance: Excellent coverage against travel accidents, trip cancellations or delays, and lost luggage when purchasing tickets using the card.
- "Credit Shield" insurance program: Covers double the outstanding balance (up to a maximum of EGP 500,000).
- Flexible repayment: The minimum monthly payment is highly flexible, starting at just 5% of the outstanding balance.
Cons
- High annual fees: The card charges high annual issuance and renewal fees compared to Gold or Platinum cards.
- A 5% FX markup applies to purchases or withdrawals made abroad in currencies other than the Egyptian Pound.
Our take
The Visa Signature card is a premium financial product designed for frequent travelers and high-volume international shoppers who desire airport and hotel luxuries, as well as travel protection benefits. However, if you do not travel often or have average spending habits, the high annual fees and strict eligibility criteria might make a lower-tier card—such as the Platinum card—a more practical choice for you. The Arab African International Bank’s Visa Signature credit card is classified as a premium card; it is specifically designed for high-net-worth clients seeking the highest possible credit limits and superior competitive features for both domestic and international travel and shopping.
The Visa Signature card is a premium financial tool for frequent travelers and high-spending international shoppers who wish to enjoy airport and hotel luxuries, as well as travel protection.
Compare
| AAIB Signature Cashback Visa Credit Card Arab African International Bank This one |  VISA Signature MID BANK |  Arab Bank Signature Visa Credit Card arab bank egypt |  Signature Credit Card Attijariwafa bank Egypt |
|---|---|---|---|
| Annual fee | |||
| EGP 1,500 | EGP 2,500 | EGP 1,500 | EGP 2,000 |
| Rewards | |||
| 10% cashback | Rewards points | None | Rewards points |
| Effective APR | |||
| 60.1% | 60.1% | 34.49% | 63.84% |
Added Thursday 02 July 2026 - 01:55 AM Updated Monday 26 October 2026 - 07:13 PM