CIB Classic Mastercard Credit Card
The CIB Swype 12 Credit Card is ideal for customers looking for short-term installment plans with no issuance or renewal fees.
- Annual fee
- No fee
- Rewards
- Rewards points
- Effective APR
- 37.19%
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Banky Analysis
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
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 No fee Below the median of 36 Classic cards (EGP 250)
- Effective APR 37.19% Below the median of 35 Classic cards (60.1%)
What it actually costs you
As long as you clear it in full before the due date, this card costs you nothing — no fee, 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
- Credit limit
- EGP 10,000 – EGP 500,000
- 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)
- 37.19% (2.67% /mo)
- Nominal APR
- 32.04%
- Grace period
- 40 days
- Annual fee
- EGP 0
- Fee waivable
- Yes
- Issuance fee
- Free issuance
- Late payment fee
- EGP 150
- Over-limit fee
- EGP 150
- Supplementary card fee/yr
- EGP 0
- Foreign txn fee
- 3%
- Min payment (%)
- 5%
- Min payment (fixed)
- EGP 100
Cash advance
- Domestic cash advance fee
- EGP 0
- Cash advance limit
- Up to 100% of the credit limit in cash
- Cash advance fee abroad
- 10% (min EGP 20)
Rewards & benefits
- Rewards program
- CIB BONUS
- Points per EGP
- 1
- تأتي البطاقة بثلاثة خيارات مخصصة من حيث فترة التقسيط
- الحصول على نقاط مكافآت BONUS على كل معاملة يتم تقسيطها
- يمكن إصدار حتى 4 بطاقات إضافية مجانًا لأفراد الأسرة لتتمكن من إدارة نفقات الأسرة بكفاءة
Eligibility
- Min age
- 21
- Max age
- 65
- Approved employer
- No
- Accepted employment types
- EmployedGovernmentMilitarySelf-EmployedPensionerFreelancer
- Accepted professions
- any profession
- Required documents
- National ID CopySalary Slip (Last 3 Months)Recent Utility Bill
| Min supplementary age | 15 |
| Nationality | both |
Do the maths
Our take
Pros
- No issuance or annual fees.
- Free domestic cash withdrawals.
- Installments up to 12 months with BONUS rewards.
Cons
- Only a 40-day grace period.
- Focused on installments rather than travel or cashback.
- 3.99% interest on non-installment transactions.
Our take
The CIB Swype 12 Credit Card is ideal for customers looking for short-term installment plans with no issuance or renewal fees. It also offers free domestic cash withdrawals, making it a practical everyday card.
The CIB Swype 12 Credit Card is ideal for customers looking for short-term installment plans with no issuance or renewal fees.
Compare
| CIB Classic Mastercard Credit Card CIB Egypt This one | United Bank Classic Visa Credit Card the united bank |  BdC Classic Mastercard Credit Card banque du caire |  Split Credit Card Egbank |
|---|---|---|---|
| Annual fee | |||
| No fee | EGP 250 | EGP 250 | EGP 500 |
| Rewards | |||
| Rewards points | Rewards points | None | Rewards points |
| Effective APR | |||
| 37.19% | 38.16% | 60.1% | 42.58% |
Added Thursday 02 July 2026 - 01:55 AM Updated Sunday 01 November 2026 - 04:24 PM