HSBC Gold Visa Credit Card — HSBC EGYPT | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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HSBC Gold Visa Credit Card

HSBC Gold Visa Credit Card

Visa
HSBC EGYPT · Credit cards · Egyptian Pound · 3.8 · Thursday 02 July 2026 - 09:42 PM
Annual fee
No fee
Rewards
None
Effective APR
68.04%

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 want to avoid card fees
    • Annual fee lower than average

Not for you if

  • I pay my card off in full
    • Annual fee lower than average
  • I carry a balance month to month
    • Purchase APR 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 No fee Below the median of 23 Gold cards (EGP 300)
  • Effective APR 68.04% Above the median of 22 Gold 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
Credit limit
EGP 30,000 – EGP 80,000

Interest & fees

Effective annual rate (APR)
68.04% (4.42% /mo)
Nominal APR
53.04%
Grace period
56 days
Annual fee
EGP 0
Fee waivable
No
Min payment (%)
5%
Min payment (fixed)
EGP 100

Rewards & benefits

Lounge access Installments
Detailed benefits
Lifestyle 3
  • الاعفاء من الرسوم السنوية مجانًا مدى الحياة: عندما تنفق ما لا يقل عن 20000 جنيه مصري سنويًا، يتم إعفاؤك من الرسوم السنوية
  • معدل عائد تنافسي احصل على معدل عائد تنافسي بنسبة 4.42% بالإضافة‎ ‎إلى رصيد بدون عائد لمدة 56 يومًا‎ ‎عندما تسدد رصيدك المستحق بالكامل كل شهر
  • تقنية payWave إجراء مدفوعات بلمسة واحدة للمشتريات الصغيرة باستخدام تقنية payWave
Travel 1
  • دخول صالات المطار استمتع بالدخول إلى 25 صالة مطار في جميع أنحاء العالم، وحماية للمشتريات والضمان

Eligibility

Min age
21
Max age
65
Approved employer
No

Do the maths

HSBC Gold Visa 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 3.8

3.8 Banky rating

Pros

  • A practical card with annual fees and reasonable issuance conditions that suit a wide range of customers.

Cons

  • Credit limits, travel perks, and entertainment offers available on it are lower compared to the other categories.

Our take

A practical card aimed at daily use, offering good perks like waiving the annual fee if you hit a certain spending limit, a 56-day grace period, access to airport lounges, and flexible installment options. It's great as a primary card with strong benefits, but it falls short on rewards and flexibility compared to HSBC's higher-tier cards.

Compare

Alternatives at a glance
HSBC Gold Visa Credit Card HSBC Gold Visa Credit Card HSBC EGYPT This oneQNB Gold Visa Credit Card QNB Gold Visa Credit Card QNB EGYPT AWB Gold Visa Credit Card AWB Gold Visa Credit Card Attijariwafa bank Egypt gold credit card gold credit card MID BANK
Annual fee
No fee EGP 300 EGP 300 EGP 350
Rewards
None Rewards points None Cashback
Effective APR
68.04% 66.69% 69.59% 64.78%
Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:56 AM Updated Thursday 24 September 2026 - 12:35 PM