United Bank Gold Visa Credit Card — the united bank | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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United Bank Gold Visa Credit Card

Visa
the united bank · Credit cards · Egyptian Pound · 4.0 · Thursday 22 October 2026 - 03:38 AM

Excellent balance between a broader credit limit and practical daily banking benefits.

Annual fee
EGP 300
Rewards
Rewards points
Effective APR
38.16%

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

Not for you if

  • 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 38.16% Below 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
Credit limit
EGP 25,000 – EGP 200,000
Purchase limit abroad (POS)
EGP 125,000
Cash withdrawal limit abroad
EGP 2,500

Interest & fees

Effective annual rate (APR)
38.16% (2.73% /mo)
Nominal APR
32.76%
Grace period
55 days
Annual fee
EGP 300
Fee waivable
No
Issuance fee
EGP 300
Late payment fee
EGP 200
Over-limit fee
EGP 150
Supplementary card fee/yr
EGP 250
Min payment (%)
5%
Min payment (fixed)
EGP 100

Cash advance

Domestic
Domestic cash advance fee
4% (min EGP 50)
Abroad
Cash advance fee abroad
8% (min EGP 60)

Rewards & benefits

Rewards points
Detailed benefits
Lifestyle 2
  • إتاحة خدمة الاتلامسية والتى يمكن التمتع بها فى عمليات الشراء اليومية طبقاً للحدود المطبقة
  • الحصول على نقاط مكافأة عند استخدام البطاقه فى عمليات الشراء

Eligibility

Min monthly income
EGP 8,000
Approved employer
No
Accepted employment types
EmployedSelf-EmployedFreelancer
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

United Bank 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

  • Higher credit limit starting from 25,000 up to 200,000 EGP
  • grace period up to 55 days
  • Cash on Call service to transfer cash to personal accounts.

Cons

  • No free airport lounge access
  • may require higher income criteria.

Our take

A card that grants middle-tier customers greater purchasing power and wider credit limits with comprehensive security and installment services.

Excellent balance between a broader credit limit and practical daily banking benefits.

Compare

Alternatives at a glance
United Bank Gold Visa Credit Card the united bank This oneNBK Gold Visa Credit Card NBK Gold Visa Credit Card National Bank of Kuwait Egypt ABE Gold Visa Credit Card ABE Gold Visa Credit Card Agricultural Bank of Egypt BdC Gold Visa Credit Card BdC Gold Visa Credit Card banque du caire
Annual fee
EGP 300 EGP 250 EGP 200 EGP 300
Rewards
Rewards points None None Rewards points
Effective APR
38.16% — 42.58% 65.73%
Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:55 AM Updated Sunday 01 November 2026 - 01:31 AM