Titanium Mastercard — The Industrial Development Bank | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Titanium Mastercard

Titanium Mastercard

Mastercard
The Industrial Development Bank · Credit cards · Egyptian Pound · 4.0 · Wednesday 05 August 2026 - 01:00 PM
Annual fee
EGP 350
Rewards
Rewards points
Effective APR
60.1%

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
  • 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 350 Below the median of 22 Titanium cards (EGP 375)
  • Effective APR 60.1% Below the median of 21 Titanium cards (64.78%)
What it actually costs you

Clearing it in full before the due date, your cost is EGP 350 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
Credit limit
EGP 10,000 – EGP 49,999
Purchase limit abroad (POS)
EGP 1,400
Cash withdrawal limit abroad
EGP 0

Interest & fees

Effective annual rate (APR)
60.1% (4% /mo)
Nominal APR
48%
Installment interest
4%
Grace period
57 days
Annual fee
EGP 350
Fee waivable
No
Issuance fee
EGP 350
Late payment fee
EGP 100
Over-limit fee
EGP 100
Supplementary card fee/yr
EGP 150
Foreign txn fee
3%
Min payment (%)
5%
Min payment (fixed)
EGP 100

Cash advance

Cash advance APR (effective)
60.1% (4% /mo)
Cash advance APR (nominal)
48%
Domestic
Domestic cash advance fee
3% (min EGP 40)
Cash advance limit
Up to 100% of the credit limit in cash
Abroad
Cash advance fee abroad
3% (min EGP 50)

Rewards & benefits

Lounge access Installments · up to 60 mo Rewards points

Eligibility

Min age
21
Max age
65
Approved employer
No
Accepted employment types
GovernmentEmployedMilitarySelf-EmployedPensionerFreelancer
Accepted professions
any profession
Required documents
National ID CopyRecent Salary CertificateSalary Slip (Last 3 Months)Recent Utility Bill
Eligibility criteria
Min supplementary age15
Nationalityboth

Do the maths

Titanium Mastercard

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 4.0

4.0 Banky rating

Pros

  • Credit limit from EGP 10,000 to EGP 49,999.
  • Complimentary airport lounge access through Mastercard Travel Pass.
  • Installments up to 60 months with IDB Rewards Program.

Cons

  • International usage is activated after two months.
  • Airport lounge access requires an eligible international transaction.

Our take

The IDB Mastercard Titanium is a solid choice for customers looking for a mid-tier credit card with travel benefits, rewards, and flexible installment plans for purchases and cash withdrawals for up to 60 months.

Compare

Alternatives at a glance
Titanium Mastercard Titanium Mastercard The Industrial Development Bank This oneAAIB Titanium Cashback Mastercard Credit Card AAIB Titanium Cashback Mastercard Credit Card Arab African International Bank CIB Titanium Mastercard Credit Card CIB Titanium Mastercard Credit Card CIB Egypt AlexBank Titanium Mastercard Credit Card AlexBank Titanium Mastercard Credit Card Alex Bank
Annual fee
EGP 350 EGP 400 EGP 450 EGP 250
Rewards
Rewards points Rewards points Rewards points 10% cashback
Effective APR
60.1% 60.1% 59.92% 30.6%
Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:58 AM Updated Saturday 31 October 2026 - 11:41 AM