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

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

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ADIB Titanium Islamic Mastercard Credit Card

ADIB Titanium Islamic Mastercard Credit Card

Mastercard
Abu Dhabi Islamic Bank Egypt · Credit cards · Islamic · Egyptian Pound · 3.0 · Saturday 04 July 2026 - 06:37 PM

The ADIB-Etisalat Titanium Credit Card is a significant upgrade from the Gold tier and is designed specifically for Emerald customers.

Annual fee
EGP 400
Rewards
1% 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 10,000 – EGP 49,999
Purchase limit abroad (POS)
EGP 6,000
Cash withdrawal limit abroad
EGP 50
Monthly intl. online limit (from Egypt)
EGP 400,000

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 400
Fee waivable
No
Issuance fee
EGP 400
Late payment fee
EGP 125
Over-limit fee
EGP 125
Supplementary card fee/yr
EGP 400
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
1%
Rewards program
برنامج المكافآت
Points per EGP
1.5
Signup bonus
نقطة لكل 10 جنيه
Detailed benefits
Cash 1
  • كاش باك كاش باك بنسبة 1٪ على جميع المشتريات المحلية وبدون حد أقصى.
Lifestyle 1
  • متوافقة مع أحكام الشريعة الإسلامية بطاقة دفع إلكترونية تم إصدارها بالتعاون مع شركة ماستر كارد بإجراءات متوافقة مع مبادئ الشريعة الإسلامية.
Other 3
  • خدمات فوري إمكانية دفع مستحقات بطاقتك الشهرية لدى كافة شبكات خدمه فوري في جميع أنحاء مصر.
  • بطاقات اضافية إصدار بطاقات إضافية في أي وقت.
  • المدفوعات اللاتلامسية مجهزة بأحدث التقنيات اللاتلامسية المقبولة عالميًا.
Shopping 2
  • التسوق أونلاين آمنة للاستخدام في التسوق من مختلف المتاجر وأيضا التسوق أونلاين مع خاصية الإنترنت الآمن الجديد OTP داخل وخارج مصر.
  • التسوق في المتاجر يمكن للعميل استخدامها بسهولة في أكثر من 32 مليون متجر في كافة أنحاء العالم يحمل علامة ماستركارد.
Insurance 1
  • برنامج الحماية التكافلي تأمين تكافلي على المشتريات
Travel 1
  • دخول استراحات المطارات دخول مجاني إلى استراحات المطارات.

Eligibility

Min age
21
Max age
65
Approved employer
No
Accepted employment types
EmployedGovernmentSelf-EmployedPensionerFreelancerMilitary
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)Bank Statement (Last 3 Months)Commercial RegisterRecent Utility BillTax Card
Eligibility criteria
Min supplementary age16
Nationalityegyptian

Do the maths

ADIB Titanium Islamic Mastercard Credit Card

Find the card tiers you qualify for and an estimated credit limit.

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Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 3.0

3.0 Banky rating

Pros

  • An exceptional, accelerated rewards program: The card offers an earn rate of 1.5 points per EGP 10 spent, and 3 points per EGP 10 on international spending.
  • Complimentary airport lounge access: The Mastercard "Titanium" tier grants you complimentary access to VIP lounges.
  • Sharia-compliant: Operates under the Islamic Murabaha system and is supervised by a Sharia supervisory board.
  • Flexible repayment: You can settle the outstanding balance via the "Fawry" network or bank ATMs, in addition to the option of issuing supplementary cards for your family members.

Cons

  • International transaction fees: When purchasing in a foreign currency outside Egypt or online, a currency provision fee of up to 3% applies to purchases.
  • Late payment fees and protection charges: A fee of 125 pounds is charged for late payment.

Our take

The card is an excellent choice for Etisalat customers whose spending is concentrated on local and international purchases and who desire a strong return on their expenditure in the form of Etisalat minutes or services. It also offers cardholders a higher financial profile with a better credit limit than entry-level tiers, though it remains subject to a standard maximum limit of EGP 49,999. The ADIB-Etisalat Titanium Credit Card also represents a significant upgrade from the Gold tier; it is specifically designed for "Emerald" customers seeking higher point-earning rates and additional travel benefits, all while remaining fully compliant with Sharia principles.

The ADIB-Etisalat Titanium Credit Card is a significant upgrade from the Gold tier and is designed specifically for Emerald customers.

Compare

Alternatives at a glance
ADIB Titanium Islamic Mastercard Credit Card ADIB Titanium Islamic Mastercard Credit Card Abu Dhabi Islamic Bank Egypt This oneTitanium Cashback Card Titanium Cashback Card Abu Dhabi Islamic Bank Egypt titanium credit card titanium credit card Al Baraka Bank Egypt Mastercard Titanium Card (Kinana) BANQUE MISR
Annual fee
EGP 400 EGP 475 EGP 400 EGP 350
Rewards
1% cashback 1% 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