ADIB classic Islamic Mastercard Credit Card — Abu Dhabi Islamic Bank Egypt | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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ADIB classic Islamic Mastercard Credit Card

ADIB classic Islamic Mastercard Credit Card

Mastercard
Abu Dhabi Islamic Bank Egypt · Credit cards · Islamic · Egyptian Pound · 2.5 · Saturday 04 July 2026 - 06:27 PM

This card is considered an "excellent choice for domestic and daily use," but is "poor and costly for international use or cash withdrawals."

Annual fee
EGP 300
Rewards
5% cashback
Effective APR
79.38%
Cashback Cashback campaign on currency conversion fees Until 30 November
Cashback campaign on currency conversion fees Offer details

Card & limits

Contactless Apple Pay
Credit limit
EGP 5,000 – EGP 9,999
Purchase limit abroad (POS)
EGP 4,000
Cash withdrawal limit abroad
EGP 50
Monthly intl. online limit (from Egypt)
EGP 50,000

Interest & fees

Effective annual rate (APR)
79.38% (4.99% /mo)
Nominal APR
59.88%
Installment interest
95%
Grace period
55 days
Annual fee
EGP 300
Fee waivable
No
Issuance fee
EGP 300
Late payment fee
EGP 125
Over-limit fee
EGP 125
Supplementary card fee/yr
EGP 300
Foreign txn fee
3%
Min payment (%)
5%
Min payment (fixed)
EGP 100

Cash advance

Cash advance APR (effective)
79.38% (4.99% /mo)
Cash advance APR (nominal)
59.88%
Domestic
Domestic cash advance fee
10% (min EGP 100)
Cash advance limit
Up to 100% of the credit limit in cash
Abroad
Cash advance fee abroad
10% (min EGP 100)

Rewards & benefits

Installments · up to 36 mo Travel insurance Purchase protection
Cashback rate
5%
Rewards program
برنامج المكافآت
Points per EGP
1
Signup bonus
نقطة لكل 10 جنيه
Detailed benefits
Shopping 2
  • التسوق والشراء يمكن للعميل استخدامها بسهولة في أكثر من 32 مليون متجر في كافة أنحاء العالم يحمل علامة ماستركارد.
  • التسوق اونلاين آمنة للاستخدام في التسوق من مختلف المتاجر وأيضا التسوق أونلاين مع خاصية الإنترنت الآمن الجديد OTP داخل وخارج مصر.
Lifestyle 2
  • بطاقات اضافية إصدار بطاقات إضافية في أي وقت.
  • خدمات فوري إمكانية دفع مستحقات بطاقتك الشهرية لدى كافة شبكات خدمة فورى في جميع أنحاء مصر.
Cash 1
  • كاش باك كاش باك بنسبة 0.5٪ على جميع المشتريات المحلية وبدون حد أقصى.
Other 1
  • المدفوعات اللاتلامسية مجهزة بأحدث التقنيات اللاتلامسية المقبولة عالميًا.
Insurance 1
  • برنامج الحماية التكافلي تأمين على المشتريات

Eligibility

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 RegisterTax CardRecent Utility Bill
Eligibility criteria
Min supplementary age16
Nationalityegyptian

Do the maths

ADIB classic Islamic 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 2.5

2.5 Banky rating

Pros

  • Sharia-compliant: The card operates in accordance with the principles of Islamic Sharia (Murabaha) and under the supervision of the Bank’s Sharia Supervisory Board.
  • Etisalat Rewards Program (Emerald): The card allows you to earn points on purchases and redeem them across the Etisalat network.
  • Comfortable grace period: A grace period of up to 55 days without Murabaha profit applies to purchases and cash withdrawals.
  • Flexible Repayment: Monthly payments can be easily made via bank branches, ATMs, or the "Fawry" network across Egypt.
  • Security: Powered by contactless technology for quick payments, in addition to a secure online feature (OTP) for safe online shopping.

Cons

  • A relatively high Murabaha rate of 4.99% on purchases.
  • Mandatory Takaful Protection: A monthly Takaful protection contribution of 0.5% is applied.
  • A low credit limit not exceeding 10,000 pounds.

Our take

The ADIB-Etisalat credit card (available in Gold, Titanium, and Platinum tiers)—offered by ADIB Egypt in partnership with Etisalat Misr—is designed for "Emerald" segment customers who wish to combine banking transactions with telecommunications benefits. While the card is an excellent choice for domestic, everyday use, it is less favorable and costly for international transactions or cash withdrawals. It is a highly reliable option for those seeking Sharia-compliant financial services.

This card is considered an "excellent choice for domestic and daily use," but is "poor and costly for international use or cash withdrawals."

Compare

Alternatives at a glance
ADIB classic Islamic Mastercard Credit Card ADIB classic Islamic Mastercard Credit Card Abu Dhabi Islamic Bank Egypt This oneClassic Cash Back Card Classic Cash Back Card Abu Dhabi Islamic Bank Egypt classic credit card classic credit card Al Baraka Bank Egypt Mastercard Classic Cards (Kinana): BANQUE MISR
Annual fee
EGP 300 EGP 350 EGP 250 EGP 250
Rewards
5% cashback 0.5% cashback None None
Effective APR
79.38% 79.38% 69.59% 42.58%
Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:55 AM Updated Monday 26 October 2026 - 02:38 PM