Active offer

CIB Classic Mastercard Credit Card

CIB Egypt · Credit cards · Egyptian Pound · 4.8 · Tuesday 04 August 2026 - 01:37 PM

Annual fee: No fee
Rewards: Rewards points
Effective APR: 37.19%

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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 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

Contactless Apple Pay

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 fee abroad: 10% (min EGP 20)

Rewards & benefits

Installments

Rewards program: CIB BONUS
Points per EGP: 2

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 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 4.8

4.8 Banky rating

Pros

Installments up to 36 months.
No issuance or renewal fees.
Free domestic cash withdrawals.

Cons

Only a 40-day grace period.
No travel or airport lounge benefits.
Limited value for customers who don't use installments.

Our take

The CIB Swype 36 Credit Card is designed for customers who need longer installment periods for larger purchases while keeping the same fee-free benefits and flexibility.

Compare

Alternatives at a glance
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%

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.