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AAIB World Elite Mastercard Credit Card

Arab African International Bank · Credit cards · Egyptian Pound · 4.0 · Friday 03 July 2026 - 12:31 PM

If you are a frequent traveler whose work or lifestyle requires constant movement, and you wish to take advantage of hotel offers (such as Marriott Bonvoy and Cleartrip) and benefit from high international spending limits...

Annual fee: EGP 6,000
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 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 carry a balance month to month
- Purchase APR higher than average
I want the most cashback

Annual fee EGP 6,000 Below the median of 10 World Elite cards (EGP 8,000)
Effective APR 60.1%

What it actually costs you

Clearing it in full before the due date, your cost is EGP 6,000 a year — no interest.

What's good

Interest-free instalments

All of this is measured against elite cards in EGP only

Last checked Monday 02 November 2026 - 04:00 PM

Card & limits

Contactless Apple Pay

Credit limit: EGP 250,000 – EGP 5,000,000
Purchase limit abroad (POS): EGP 490,000
Cash withdrawal limit abroad: EGP 10,000
Monthly intl. online limit (from Egypt): EGP 200,000

Interest & fees

Effective annual rate (APR): 60.1% (4% /mo)
Nominal APR: 48%
Installment interest: 95%
Grace period: 55 days
Annual fee: EGP 6,000
Fee waivable: No
Issuance fee: EGP 6,000
Late payment fee: EGP 150
Over-limit fee: EGP 150
Supplementary card fee/yr: EGP 6,000
Foreign txn fee: 5%
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)Tax CardCommercial Register

Do the maths

AAIB World Elite 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

Unlimited complimentary access to over 1,000 airport lounges worldwide for you and an accompanying guest via the Mastercard Travel Pass app.
Discounts of up to 15% on meet-and-greet and travel facilitation services at hundreds of airports.
Enjoy a complimentary Black membership in the DISCOVERY global hotel alliance program.
Free night stays at Marriott Bonvoy hotels and resorts (such as a free night when booking two or three nights).
Excellent insurance coverage against travel inconveniences (flight delays or lost luggage)
Very high international limits for purchases and cash withdrawals, with grace periods of up to 55 days.

Cons

The card is not available to the general public; banks usually require it to be for a specific segment of high-net-worth clients (such as senior wealth management firms).
High annual fForeign Transaction Fees: Despite its high international limits, using the card for purchases in currencies other than the local currency is subject to a 5% currency processing fee.ees

Our take

The World Elite Mastercard is the highest tier of card offered by the Mastercard network; specifically designed to meet the needs of the elite and frequent travelers, it is provided by banks—such as the Arab African International Bank, whose page you are currently viewing—with exceptional benefits.

Compare

Alternatives at a glance
AAIB World Elite Mastercard Credit Card Arab African International Bank This one	World Elite Credit Card BANQUE MISR	IDB World Elite Mastercard Credit Card The Industrial Development Bank	World Elite Mastercard Credit Card Al Ahli Bank of Kuwait – Egypt
Annual fee
EGP 6,000	EGP 8,000	EGP 8,000	EGP 6,500
Rewards
Rewards points	Rewards points	Rewards points	Rewards points
Effective APR
60.1%	60.1%	34.49%	60.1%

Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:55 AM Updated Monday 26 October 2026 - 02:43 PM

Min supplementary age	16
Nationality	both