IDB World Elite Mastercard Credit Card — The Industrial Development Bank | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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IDB World Elite Mastercard Credit Card

IDB World Elite Mastercard Credit Card

Mastercard
The Industrial Development Bank · Credit cards · Egyptian Pound · 4.0 · Wednesday 05 August 2026 - 01:11 PM
Annual fee
EGP 8,000
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 a card that is easy to get
    • Minimum credit limit lower than average

Not for you if

  • I want to avoid card fees
    • Annual fee higher than average
  • I want the most cashback
  • Annual fee EGP 8,000
  • Effective APR 34.49% Below the median of 9 World Elite cards (60.1%)
What it actually costs you

Clearing it in full before the due date, your cost is EGP 8,000 a year — no interest.

All of this is measured against elite cards in EGP only

Last checked Monday 02 November 2026 - 04:00 PM

Card & limits

Contactless
Credit limit
EGP 250,000 – EGP 1,000,000
Purchase limit abroad (POS)
EGP 10,000
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 8,000
Fee waivable
No
Issuance fee
EGP 8,000
Late payment fee
EGP 100
Over-limit fee
EGP 100
Supplementary card fee/yr
EGP 1,000
Min payment (%)
5%
Min payment (fixed)
EGP 100

Cash advance

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

Rewards & benefits

Lounge access Installments Rewards points
Detailed benefits
Insurance 2
  • تستخدم البطاقة في سداد المدفوعات لدي كافة الجهات الحكومية وفقا لتعليمات وزارة المالية (المرور- السجل المدن… تستخدم البطاقة في سداد المدفوعات لدي كافة الجهات الحكومية وفقا لتعليمات وزارة المالية (المرور- السجل المدني - الشهر العقاري – الضرائب – التأمينات.... الخ )
  • بطاقات ائتمانية يتم إصدارها للعملاء سواء بضمان أوعيتهم الادخارية أو بضمان شخصي وفقاً للبرامج المميزة التي ي… بطاقات ائتمانية يتم إصدارها للعملاء سواء بضمان أوعيتهم الادخارية أو بضمان شخصي وفقاً للبرامج المميزة التي يقدمها البنك
Lifestyle 3
  • ستوفر لك 3 أشهر من الدخول المجاني
  • تعتبر بطاقة World Elite هي البطاقة رقم 1 عالمياً من حيث المزايا المقدمة للعملاء
  • إمكانية إصدار عدد من البطاقات الإضافية مجاناً على البطاقة الأصلية
Shopping 2
  • فى برنامج مكافأت بنك IDB والذى من خلاله يقوم العملاء بإكتساب نقاط عند قيامهم بمعاملات شراءبالبطاقة ليتم بع… فى برنامج مكافأت بنك IDB والذى من خلاله يقوم العملاء بإكتساب نقاط عند قيامهم بمعاملات شراءبالبطاقة ليتم بعد ذلك إستخدام هذه النقاط فى الشراء من خلال المنافذ التجارية محلياً ودولياً
  • أطول فترة لتقسيط المعاملات التى تتم بالبطاقة ( مشتريات – سحب نقدى ) من 3 شهور وحتى 5 سنوات

Eligibility

Min age
21
Max age
65
Approved employer
No
Accepted employment types
EmployedGovernmentMilitarySelf-EmployedPensionerFreelancer
Accepted professions
any profession
Required documents
National ID CopyBank Statement (Last 3 Months)Recent Utility Bill
Eligibility criteria
Min supplementary age15
Nationalityboth

Do the maths

IDB 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

  • Credit limit up to EGP 1 million.
  • Unlimited complimentary airport lounge access.
  • Five-year card validity with installments up to 60 months.

Cons

  • High issuance and annual fee of EGP 8,000.
  • Not suitable for low-spending customers.
  • Some travel benefits require an eligible international transaction.

Our take

The IDB Mastercard World Elite is the bank's flagship credit card, offering a credit limit of up to EGP 1 million, premium travel privileges, unlimited airport lounge access, rewards, and flexible installment plans.

Compare

Alternatives at a glance
IDB World Elite Mastercard Credit Card IDB World Elite Mastercard Credit Card The Industrial Development Bank This oneWorld Elite Credit Card World Elite Credit Card BANQUE MISR AAIB World Elite Mastercard Credit Card Arab African International Bank World Elite Mastercard Credit Card Al Ahli Bank of Kuwait – Egypt
Annual fee
EGP 8,000 EGP 8,000 EGP 6,000 EGP 6,500
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 - 11:43 AM