IDB Platinum Mastercard Credit Card

The Industrial Development Bank · Credit cards · Egyptian Pound · 4.3 · Wednesday 05 August 2026 - 01:07 PM

Annual fee: EGP 600
Rewards: Rewards points
Effective APR: 34.49%

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
- Purchase APR lower than average
I want to avoid card fees
- Annual fee higher than average

Not for you if

I want a card that is easy to get
- Minimum credit limit higher than average
I want the most cashback

Annual fee EGP 600
Effective APR 34.49% Below the median of 34 Platinum cards (60.1%)

What it actually costs you

Clearing it in full before the due date, your cost is EGP 600 a year — no interest.

All of this is measured against premium cards in EGP only

Last checked Monday 02 November 2026 - 04:00 PM

Card & limits

Contactless

Credit limit: EGP 50,000 – EGP 249,999
Purchase limit abroad (POS): EGP 6,000
Cash withdrawal limit abroad: EGP 0

Interest & fees

Effective annual rate (APR): 34.49% (2.5% /mo)
Nominal APR: 30%
Grace period: 57 days
Annual fee: EGP 600
Fee waivable: No
Issuance fee: EGP 600
Late payment fee: EGP 100
Over-limit fee: EGP 100
Supplementary card fee/yr: EGP 300
Foreign txn fee: 3%
Min payment (%): 5%
Min payment (fixed): EGP 100

Cash advance

Domestic cash advance fee: 3% (min EGP 40)
Cash advance fee abroad: 3% (min EGP 50)

Rewards & benefits

Lounge access Installments Rewards points

Detailed benefits

Shopping 3

إشتراك مجانى فى برنامج مكافأت بنك IDB والذى من خلاله يقوم العملاء بإكتساب نقاط عند قيامهم بمعاملات شراء با… إشتراك مجانى فى برنامج مكافأت بنك IDB والذى من خلاله يقوم العملاء بإكتساب نقاط عند قيامهم بمعاملات شراء بالبطاقة ليتم بعد ذلك إستخدام هذه النقاط فى الشراء من خلال المنافذ التجارية محلياً ودولياً
استخدام البطاقة في تقسيط عمليات السحب النقدي والمشتريات على فترات تصل إلى 60 شهراً بعائد مدين مميز
خصم 20% علي خدمة التوصيل من Talabat كل شهر عن طريق Promocode MASTERCARD

Insurance 1

يمكن إصدارها بالضمان العيني أو الشخصي

Lifestyle 1

إمكانية إصدار عدد 3 بطاقات إضافية مجاناً على البطاقة الأصلية

Eligibility

Min age: 21
Max age: 65
Approved employer: No
Accepted employment types: EmployedGovernmentMilitarySelf-EmployedPensionerFreelancer
Accepted professions: any profession
Required documents: National ID CopySalary Slip (Last 3 Months)Recent Utility Bill

Do the maths

IDB Platinum 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 4.3

4.3 Banky rating

Pros

Credit limit from EGP 50,000 to EGP 249,999.
Complimentary airport lounge access and 20% Talabat discount.
Up to three free supplementary cards.

Cons

International usage is enabled after two months.
Some travel benefits require an international transaction.

Our take

توفر بطاقة ماستركارد بلاتينيوم حدًا ائتمانيًا أعلى مع مجموعة جيدة من مزايا السفر والمكافآت، بالإضافة إلى خصومات على خدمات التوصيل وإمكانية التقسيط لفترات طويلة، ما يجعلها مناسبة للعملاء ذوي الإنفاق المتوسط والمرتفع.

Compare

Alternatives at a glance
IDB Platinum Mastercard Credit Card The Industrial Development Bank This one	Visa Platinum Credit Card BANQUE MISR	HDB Royal Mastercard Credit Card Housing and Development Bank	AAIB Platinum Cashback Visa Credit Card Arab African International Bank
Annual fee
EGP 600	EGP 500	EGP 500	EGP 600
Rewards
Rewards points	Rewards points	Rewards points	Rewards points
Effective APR
34.49%	60.1%	60.1%	60.1%

Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:55 AM Updated Saturday 31 October 2026 - 11:44 AM

Min supplementary age	15
Nationality	both