Visa Signature Covered Card — Abu Dhabi Islamic Bank Egypt | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Islamic Active offer 0% installments
Visa Signature Covered Card

Visa Signature Covered Card

Visa
Abu Dhabi Islamic Bank Egypt · Credit cards · Islamic · Egyptian Pound · 4.0 · Saturday 04 July 2026 - 07:20 PM

The covered Visa Signature card is an excellent, premium choice for individuals seeking a Sharia-compliant credit card who travel regularly.

Annual fee
EGP 2,500
Rewards
2% cashback
Effective APR
59.92%
Cashback Cashback campaign on currency conversion fees Until 30 November
Cashback campaign on currency conversion fees Offer details

Card & limits

Contactless Apple Pay
Credit limit
From EGP 100,000
Purchase limit abroad (POS)
EGP 10,000
Cash withdrawal limit abroad
EGP 100
Monthly intl. online limit (from Egypt)
EGP 2,000,000

Interest & fees

Effective annual rate (APR)
59.92% (3.99% /mo)
Nominal APR
47.88%
Installment interest
95%
Grace period
55 days
Annual fee
EGP 2,500
Fee waivable
No
Issuance fee
EGP 2,500
Late payment fee
EGP 125
Over-limit fee
EGP 125
Supplementary card fee/yr
EGP 2,500
Foreign txn fee
3%
Min payment (%)
5%
Min payment (fixed)
EGP 100

Cash advance

Cash advance APR (effective)
59.92% (3.99% /mo)
Cash advance APR (nominal)
47.88%
Domestic
Domestic cash advance fee
10% (min EGP 100)
Cash advance limit
Up to 100% of the credit limit in cash
Abroad
Cash advance fee abroad
10% (min EGP 100)

Rewards & benefits

Lounge access · 12/yr Installments · up to 36 mo Travel insurance Purchase protection
Cashback rate
2%
Rewards program
برنامج المكافآت
Points per EGP
2
Signup bonus
نقطة لكل جنيه
Detailed benefits
Cash 1
  • كاش باك احصل على استرداد نقدي (Cashback) بنسبة 2% بدون حد أقصى على جميع المشتريات المحلية.
Insurance 1
  • تغطية تأمينية شاملة استفد من تأمين ومساعدة خاصة من خلال تغطية تأمينية شاملة وخدمات مساندة لحمايتك.
Shopping 2
  • برنامج التقسيط الميسر يمكن تحويل أي معاملة إلى أقساط شهرية متساوية.
  • تسوق أونلاين تسوق آمن عبر الإنترنت من خلال خدمة كلمة المرور لمرة واحدة (OTP).
Travel 3
  • خصومات مميزة احصل على خصومات مميزة على تأجير السيارات، والفنادق، والمطاعم في المطارات، لتضمن أفضل العروض أينما ذهبت.
  • دخول صالات المطارات استمتع بدخول مجاني لأكثر من 1,200 صالة مطار حول العالم لتجربة سفر أكثر راحة. استمتع ب 12 زيارة مجانية لأكثر من 1,200 صالة مطار حول العالم من خلال تطبيق Visa Airport Companion باستخدام بطاقةCard Visa Signature Covered. وللاستفادة من هذه الميزة تتطلب إجراء معاملة دولية بقيمة لا تقل عن 5 دولار أمريكي (USD) باستخدام نقاط البيع (POS) أو عبر التجارة الإلكترونية ، وذلك خلال 90 يومًا قبل السفر.
  • خدمة Concierge استفد من خدمة Concierge التي توفر لك دعماً شخصياً لمساعدتك في ترتيبات السفر واحتياجات نمط الحياة.
Other 1
  • متوافقة مع أحكام الشريعة الإسلامية بطاقة دفع إلكترونية صادرة بالتعاون مع Visa ومتوافقة مع أحكام الشريعة الإسلامية.

Eligibility

Min age
21
Max age
65
Approved employer
No
Accepted employment types
EmployedGovernmentMilitarySelf-EmployedFreelancer
Accepted professions
any profession
Accepted security types
Salary TransferWithout Salary TransferSavings Vessel (Certificate / Deposit)Credit Card-BackedCommercial Register & Tax Card
Required documents
National ID CopyPassport CopyBank Statement (Last 3 Months)Bank Statement (Last 6 Months)Commercial RegisterTax CardRecent Utility Bill
Eligibility criteria
Min supplementary age18
Nationalityegyptian

Do the maths

Visa Signature Covered 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 4.0

4.0 Banky rating

Pros

  • A covered card fully compliant with the provisions of Islamic Sharia.
  • Premium Cashback: Earn 2% unlimited cashback on all domestic purchases.
  • Cash withdrawal flexibility: Ability to withdraw up to 100% of the card's coverage value.
  • Complimentary access to over 1,200 airport lounges worldwide—12 visits per year—via the Visa Airport Companion app.
  • Flexible Installment Plan: The option to convert purchases into equal monthly installments through the bank's installment program.
  • Exclusive offers and discounts on hotels, airport restaurants, and car rentals, in partnership with Visa.

Cons

  • The requirement to make an international transaction worth $5 to activate complimentary airport lounge access may be inconvenient for those who do not travel or shop internationally on a regular basis prior to their trip.
  • Cashback exclusions: Cashback (2%) is not calculated on bill payments, government charges, and utility payments (meter top-ups, gas, water).

Our take

The Covered Visa Signature Card is an excellent, premium choice for individuals seeking a Sharia-compliant credit card who also travel frequently. This card is ideal for you if: You make significant local purchases outside of the utility and telecommunications categories (to benefit from the uncapped 2% cashback). You travel several times a year and wish to take advantage of airport lounge access, a personal concierge service, and insurance coverage. However, if your usage is primarily focused on paying household bills and telecommunications expenses, you may lose out on the card's strongest competitive advantage—the cashback—following recent updates.

The covered Visa Signature card is an excellent, premium choice for individuals seeking a Sharia-compliant credit card who travel regularly.

Added Saturday 04 July 2026 - 07:15 PM Updated Monday 26 October 2026 - 02:39 PM