United Bank Platinum Visa Credit Card

the united bank · Credit cards · Egyptian Pound · 4.7 · Thursday 22 October 2026 - 03:41 AM

Ultimate luxury and premium travel services for high-net-worth clients.

Annual fee: EGP 600
Rewards: Rewards points
Effective APR: 36.55%

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 36.55% 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 100,000 – EGP 500,000
Purchase limit abroad (POS): EGP 500,000
Cash withdrawal limit abroad: EGP 7,500

Interest & fees

Effective annual rate (APR): 36.55% (2.63% /mo)
Nominal APR: 31.56%
Grace period: 55 days
Annual fee: EGP 600
Fee waivable: No
Issuance fee: EGP 600
Late payment fee: EGP 200
Over-limit fee: EGP 150
Supplementary card fee/yr: EGP 300
Min payment (%): 5%
Min payment (fixed): EGP 100

Cash advance

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

Rewards & benefits

Lounge access 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

Travel 2

مجموعة رائعة من التسوق المحلي والعالمي ، والسفر ، والمطاعم الفاخرة وعروض للرفاهية و لتغيير أسلوب الحياة
إمكانية الدخول إلى الاستشارات الطبية والقانونية العالمية بالاضافة الى مساعدة الخدمة أثناء سفرك

Eligibility

Min monthly income: EGP 30,000
Approved employer: No
Accepted employment types: EmployedSelf-EmployedUnemployed
Accepted professions: any profession
Required documents: Bank Statement (Last 3 Months)National ID CopyRecent Utility Bill

Do the maths

United Bank Platinum Visa Credit Card

Find the card tiers you qualify for and an estimated credit limit.

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Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 4.7

4.7 Banky rating

Pros

High credit limit (up to 300,000 EGP)
free access to 25 global airport lounges (Lounge Key) 6 times a year,
global medical and legal consultations.

Cons

Requires high income or deposits (Diamond clients)
higher issuance and maintenance fees compared to standard cards
extra lounge visits incur fees.

Our take

A premium card designed for high-income and Diamond clients, offering an upscale lifestyle experience and exceptional travel and shopping services.

Ultimate luxury and premium travel services for high-net-worth clients.

Compare

Alternatives at a glance
United Bank Platinum Visa Credit Card the united bank This one	United Bank Platinum Mastercard Credit Card the united bank	NBK Platinum Visa Credit Card National Bank of Kuwait Egypt	ABE Platinum Mastercard Credit Card Agricultural Bank of Egypt
Annual fee
EGP 600	EGP 600	EGP 600	EGP 350
Rewards
Rewards points	Rewards points	None	None
Effective APR
36.55%	36.55%	—	42.58%

Compare with 3 similar credit cards

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

Min supplementary age	15
Nationality	both