United Bank Classic Mastercard 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 Classic Mastercard Credit Card

Mastercard
the united bank · Credit cards · Egyptian Pound · 3.7 · Thursday 22 October 2026 - 03:46 AM

A practical credit solution suitable for limited budgets and simple daily transactions.

Annual fee
EGP 250
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
  • I want to avoid card fees
    • Annual fee lower than average
  • I want a card that is easy to get
    • Minimum credit limit lower than average

Not for you if

  • I want the most cashback
  • Annual fee EGP 250
  • Effective APR 38.16% Below the median of 35 Classic cards (60.1%)
What it actually costs you

Clearing it in full before the due date, your cost is EGP 250 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 1,000 – EGP 25,000
Purchase limit abroad (POS)
EGP 100,000
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 250
Fee waivable
No
Issuance fee
EGP 250
Late payment fee
EGP 200
Over-limit fee
EGP 150
Supplementary card fee/yr
EGP 150
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 salary
EGP 1,500
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
Nationalityboth

Do the maths

United Bank Classic 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 3.7

3.7 Banky rating

Pros

  • 55-day grace period, cash
  • withdrawal up to 100%
  • Online Secure system and instant SMS alerts after every transaction.

Cons

  • Limited credit limit (1,800 to 15,000 EGP)
  • lacks leisure and travel perks
  • unsuitable for large purchases

Our take

A flexible and simple option for individuals looking for a basic credit card to manage daily payments and small purchases securely.

A practical credit solution suitable for limited budgets and simple daily transactions.

Compare

Alternatives at a glance
United Bank Classic Mastercard Credit Card the united bank This one United Bank Classic Visa Credit Card the united bank BdC Classic Mastercard Credit Card BdC Classic Mastercard Credit Card banque du caire Split Credit Card Split Credit Card Egbank
Annual fee
EGP 250 EGP 250 EGP 250 EGP 500
Rewards
Rewards points Rewards points None Rewards points
Effective APR
38.16% 38.16% 60.1% 42.58%
Compare with 3 similar credit cards

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