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AAIB Titanium Cashback Mastercard Credit Card

Arab African International Bank · Credit cards · Egyptian Pound · 3.5 · Thursday 02 July 2026 - 09:19 AM

The Mastercard Titanium card is the "smart card for the budget-conscious traveler."

Annual fee: EGP 400
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
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 400 Above 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 400 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

Contactless Apple Pay

Credit limit: EGP 50,000 – EGP 100,000
Purchase limit abroad (POS): EGP 190,000
Cash withdrawal limit abroad: EGP 10,000
Monthly intl. online limit (from Egypt): EGP 100,000

Interest & fees

Effective annual rate (APR): 60.1% (4% /mo)
Nominal APR: 48%
Installment interest: 95%
Grace period: 55 days
Annual fee: EGP 400
Fee waivable: No
Issuance fee: EGP 400
Late payment fee: EGP 150
Over-limit fee: EGP 150
Supplementary card fee/yr: EGP 400
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

Lounge access · 10/yr 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 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)Commercial RegisterRecent Utility BillTax Card

Do the maths

AAIB Titanium Cashback 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 3.5

3.5 Banky rating

Pros

Exclusive travel benefits (lounge access): The card grants you complimentary access to over 10 VIP lounges.
Good international usage limits: The card offers suitable financial flexibility for transactions abroad or online shopping.
Global Offers and Discounts: Take advantage of exclusive, complimentary offers worldwide—spanning restaurants, hotels, and entertainment venues—by downloading the Mastercard "Priceless Specials Egypt" app.
Flexible installment plans: You can pay for purchases or cash withdrawals in installments.
Pay off your credit card debts at other banks using this card's limit.
Rewards Points Program: Earn points on every purchase and redeem them for cashback or shopping vouchers.
The ability to issue an unlimited number of supplementary cards for your family members (starting from age 16).

Cons

Low international cash withdrawal limit: In line with general restrictions, cash withdrawals outside Egypt are limited to the equivalent of EGP 10,000.
Currency Handling Fees and Commission: A 5% currency handling commission (FX Markup) applies to purchases or withdrawals made abroad.
Immediate interest calculation on cash withdrawals

Our take

The Mastercard Titanium is the "smart card for the budget-conscious traveler." Its clear advantage over the Visa Platinum regarding airport lounge access makes it the ideal choice for those traveling within the Arab region who desire essential premium perks without the high costs associated with luxury cards; furthermore, the three-month interest-free balance transfer feature offers a significant advantage for restructuring your debt.

The Mastercard Titanium card is the "smart card for the budget-conscious traveler."

Compare

Alternatives at a glance
AAIB Titanium Cashback Mastercard Credit Card Arab African International Bank This one	Titanium Mastercard The Industrial Development Bank	CIB Titanium Mastercard Credit Card CIB Egypt	AlexBank Titanium Mastercard Credit Card Alex Bank
Annual fee
EGP 400	EGP 350	EGP 450	EGP 250
Rewards
Rewards points	Rewards points	Rewards points	10% cashback
Effective APR
60.1%	60.1%	59.92%	30.6%

Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:55 AM Updated Monday 26 October 2026 - 07:13 PM

Min supplementary age	16
Nationality	both