Active offer

CIB World Mastercard Credit Card

CIB Egypt · Credit cards · Egyptian Pound · Tuesday 04 August 2026 - 12:39 PM

Annual fee: EGP 3,500
Rewards: Rewards points
Effective APR: 59.92%

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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 carry a balance month to month
- Purchase APR lower than average

Not for you if

I pay my card off in full
- Annual fee 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 3,500 Above the median of 9 World cards (EGP 3,000)
Effective APR 59.92%

What it actually costs you

Clearing it in full before the due date, your cost is EGP 3,500 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 Apple Pay

Credit limit: From EGP 100,000
Purchase limit abroad (POS): EGP 500,000
Cash withdrawal limit abroad: EGP 4,000
Monthly intl. online limit (from Egypt): EGP 200,000

Interest & fees

Effective annual rate (APR): 59.92% (3.99% /mo)
Nominal APR: 47.88%
Grace period: 45 days
Annual fee: EGP 3,500
Fee waivable: No
Issuance fee: EGP 3,500
Late payment fee: EGP 150
Over-limit fee: EGP 150
Supplementary card fee/yr: EGP 0
Min payment (%): 5%
Min payment (fixed): EGP 100

Cash advance

Domestic cash advance fee: 4% (min EGP 40)
Cash advance fee abroad: 10% (min EGP 20)

Rewards & benefits

Lounge access

Rewards program: CIB BONUS
Points per EGP: 4
Signup bonus: احصل على500,000 نقطة BONUS بقيمة 2,500 جنيه مصري عند وصول قيمة مشترياتك بالبطاقة إلى 150,000 جنيه خلال أول 3 أشهر من تاريخ الإصدار.

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

Do the maths

CIB World 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

Pros

Mastercard World benefits.
Worldwide acceptance.
Free supplementary cards.

Cons

High annual fee.
Only 45-day grace period.

Our take

The CIB World Credit Card targets premium customers with exclusive global privileges, although its shorter grace period and higher fees may not suit everyone.

Compare

Alternatives at a glance
CIB World Mastercard Credit Card CIB Egypt This one	CIB World Mastercard Credit Card CIB Egypt	Banque Misr World Mastercard Credit Card BANQUE MISR	NBE World Mastercard Credit Card National Bank of Egypt
Annual fee
EGP 3,500	EGP 2,500	EGP 2,500	EGP 3,000
Rewards
Rewards points	Rewards points	Rewards points	Rewards points
Effective APR
59.92%	59.92%	60.1%	51.11%

Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:55 AM Updated Sunday 01 November 2026 - 04:24 PM

Min supplementary age	15
Nationality	both
Notes	حدود الإنفاق الدولية للبطاقات الائتمانية خارج مصر يعتمد حد الإنفاق الدولي للبطاقة الائتمانية على القطاع التابع له العميل، وليس على نوع البطاقة الائتمانية، وتتمثل الحدود الشهرية فيما يلي: قطاع Prime: الحد الشهري للسحب النقدي خارج مصر: 3,500 جنيه. الحد الشهري للشراء خارج مصر: 350,000 جنيه. قطاع Plus: الحد الشهري للسحب النقدي خارج مصر: 5,000 جنيه. الحد الشهري للشراء خارج مصر: 400,000 جنيه. قطاع Wealth: الحد الشهري للسحب النقدي خارج مصر: 8,000 جنيه. الحد الشهري للشراء خارج مصر: 450,000 جنيه. قطاع Private: الحد الشهري للسحب النقدي خارج مصر: 1,500 جنيه. الحد الشهري للشراء خارج مصر: 500,000 جنيه. قطاع Corporate: الحد الشهري للسحب النقدي خارج مصر: 4,000 جنيه. الحد الشهري للشراء خارج مصر: 450,000 جنيه. قطاع Business Banking: الحد الشهري للسحب النقدي خارج مصر: 40,000 جنيه. الحد الشهري للشراء خارج مصر: 500,000 جنيه. حدود الإنفاق الدولية للبطاقات الائتمانية داخل مصر يعتمد حد الإنفاق الدولي للبطاقة الائتمانية على القطاع التابع له العميل، وليس على نوع البطاقة الائتمانية، وتتمثل الحدود الشهرية للشراء الدولي من داخل مصر فيما يلي: قطاع Prime: 150,000 جنيه شهريًا. قطاع Plus: 150,000 جنيه شهريًا. قطاع Wealth: 200,000 جنيه شهريًا. قطاع Private: 200,000 جنيه شهريًا. قطاع Corporate: 200,000 جنيه شهريًا. قطاع Business Banking: 200,000 جنيه شهريًا.