QNB Gold Visa Credit Card — QNB 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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QNB Gold Visa Credit Card

QNB Gold Visa Credit Card

Visa
QNB EGYPT · Credit cards · Egyptian Pound · 4.0 · Wednesday 05 August 2026 - 01:52 PM
Annual fee
EGP 300
Rewards
Rewards points
Effective APR
66.69%

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

Not for you if

  • I carry a balance month to month
    • Purchase APR higher than average
  • I want to avoid card fees
    • Annual fee higher than average
  • I want a card that is easy to get
    • Minimum credit limit higher than average
  • I want the most cashback
  • Annual fee EGP 300
  • Effective APR 66.69% Above the median of 22 Gold cards (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 10,000 – EGP 39,999
Purchase limit abroad (POS)
EGP 200,000
Cash withdrawal limit abroad
EGP 1,500

Interest & fees

Effective annual rate (APR)
66.69% (4.35% /mo)
Nominal APR
52.2%
Grace period
57 days
Annual fee
EGP 300
Fee waivable
No
Issuance fee
EGP 300
Late payment fee
EGP 150
Over-limit fee
EGP 150
Supplementary card fee/yr
EGP 200
Min payment (%)
5%
Min payment (fixed)
EGP 100

Cash advance

Domestic
Domestic cash advance fee
4% (min EGP 50)
Abroad
Cash advance fee abroad
6%

Rewards & benefits

Installments
Points per EGP
1
Detailed benefits
Shopping 3
  • احصل علي عدد 1 نقطة مقابل كل 1 جنيه تنفقه على المشتريات باستخدام بطاقتك الائتمانية
  • قسط مشترياتك من خلال برامجنا المتعددة لتقسيط المشتريات التي تصل إلى 36 شهر
  • تخفيضات وعروض حصرية لدى مجموعة كبيرة من التجار
Insurance 1
  • إدارة مخاطر تعمل على حماية البطاقة 24/7
Lifestyle 3
  • حرية اختيار تسوية الرصيد المستحق شهرياً تبدأ من 5% إلى %100
  • سعر فائدة تنافسي على الرصيد المستحق 4.35%
  • برنامج النقاط والمكافئات: اشترى أكثر... جمع نقاط أكثر

Eligibility

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

Do the maths

QNB 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 4.0

4.0 Banky rating

Pros

  • Earn 1 reward point for every EGP spent.
  • Unlimited supplementary cards.

Cons

  • Lower rewards earning rate than higher-tier cards.
  • No airport lounge access.

Our take

The QNB Visa Gold Credit Card is a great entry-level premium card offering a moderate credit limit, rewards program, up to 57 days interest-free on purchases, and installment plans of up to 36 months.

Compare

Alternatives at a glance
QNB Gold Visa Credit Card QNB Gold Visa Credit Card QNB EGYPT This oneHSBC Gold Visa Credit Card HSBC Gold Visa Credit Card HSBC EGYPT gold credit card gold credit card MID BANK Golden Hunting Club Card Credit Agricole Egypt
Annual fee
EGP 300 No fee EGP 350 EGP 600
Rewards
Rewards points None Cashback None
Effective APR
66.69% 68.04% 64.78% 64.78%
Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:55 AM Updated Tuesday 27 October 2026 - 12:04 PM