AIB Gold Visa Credit Card

ARAB INTERNATIONAL BANK · Credit cards · Egyptian Pound · 3.0 · Thursday 02 July 2026 - 02:27 PM

Annual fee: EGP 300
Rewards: None
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 carry a balance month to month
- Purchase APR lower than average
I want a card that is easy to get
- Minimum credit limit higher than average

Not for you if

I pay my card off in full
I want to avoid card fees
- Annual fee higher than average
I want the most cashback

Annual fee EGP 300
Effective APR 60.1%

What it actually costs you

Clearing it in full before the due date, your cost is EGP 300 a year — no interest.

All of this is measured against entry-level cards in EGP only

Last checked Monday 02 November 2026 - 04:00 PM

Card & limits

Contactless Apple Pay

Credit limit: EGP 5,000 – EGP 200,000
Purchase limit abroad (POS): EGP 100,000
Cash withdrawal limit abroad: EGP 8,000

Interest & fees

Effective annual rate (APR): 60.1% (4% /mo)
Nominal APR: 48%
Grace period: 56 days
Annual fee: EGP 300
Fee waivable: No
Issuance fee: EGP 300
Late payment fee: EGP 200
Over-limit fee: EGP 200
Supplementary card fee/yr: EGP 200
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: 4% (min EGP 50)
Cash advance fee abroad: 5% (min EGP 50)

Rewards & benefits

Detailed benefits

Travel 1

مزايا تأمينية للبطاقة الذهبية أثناء السفر بالخارج وتشمل حالات تأخر الحقائب أو التعرض للحوادث أو الأمراض الى… مزايا تأمينية للبطاقة الذهبية أثناء السفر بالخارج وتشمل حالات تأخر الحقائب أو التعرض للحوادث أو الأمراض الى ماغير ذلك من مزايا

Lifestyle 1

خدمة SMS مجاناً

Eligibility

Approved employer: No
Accepted employment types: EmployedGovernmentSelf-EmployedMilitaryPensionerFreelancer
Accepted professions: any profession
Required documents: National ID CopySalary Slip (Last 3 Months)Recent Utility Bill

Do the maths

AIB Gold Visa 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 3.0

3.0 Banky rating

Pros

Credit limit ranging from EGP 5,000 to EGP 200,000.
Graceful period on purchases up to 56 days.
Affordable issuance and renewal fees (EGP 300 for the primary card).
Travel insurance covering baggage delays, accidents, and certain medical conditions subject to program terms and conditions.
Free SMS notifications.
Smart chip providing a high level of protection against fraud.
Useable locally and internationally via the Visa network.

Cons

The monthly interest rate is 4%, which is high if the balance is not fully repaid.
Cash withdrawal fees are high (4% locally and 5% internationally).
Airport lounge access and premium travel programs available with Platinum and Infinite cards are not included.
The maximum credit limit is lower compared to higher-tier cards.

Our take

The Arab International Bank Visa Gold card is a good option for customers looking for a card that combines relatively low fees, a flexible credit limit, and benefits such as travel insurance and free SMS service. However, it lacks luxury travel perks like airport lounge access, and the interest and cash withdrawal fees are relatively high.

Compare

Alternatives at a glance
AIB Gold Visa Credit Card ARAB INTERNATIONAL BANK This one	Visa Gold Credit Card BANQUE MISR	AAIB Gold Cashback Visa Credit Card Arab African International Bank	Arab Bank Gold Visa Credit Card arab bank egypt
Annual fee
EGP 300	EGP 250	EGP 300	EGP 100
Rewards
None	Rewards points	Rewards points	None
Effective APR
60.1%	60.1%	60.1%	34.33%

Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:55 AM Updated Saturday 31 October 2026 - 01:30 PM

Min supplementary age	15
Nationality	both