World Elite Credit Card — BANQUE MISR | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Best for: عرض اليوم 0% installments
World Elite Credit Card

World Elite Credit Card

Mastercard
BANQUE MISR · Credit cards · Egyptian Pound · 4.0 · Sunday 05 July 2026 - 01:28 PM

One of Banque Misr’s flagship credit cards, offering premium travel privileges, strong rewards earning, and high credit limits for affluent and frequent-traveling customers.

Best for: عرض اليوم
Annual fee
EGP 8,000
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 want a card that is easy to get
    • Secured by a deposit, so approval is easier

Not for you if

  • I carry a balance month to month
    • Purchase APR higher than average
  • I want to avoid card fees
    • Annual fee higher than average
  • I want the most cashback
  • Annual fee EGP 8,000
  • Effective APR 60.1%
What it actually costs you

Clearing it in full before the due date, your cost is EGP 8,000 a year — no interest.

What's good

  • Interest-free instalments

All of this is measured against elite cards in EGP only

Last checked Monday 02 November 2026 - 04:00 PM

Card & limits

Contactless Apple Pay
Credit limit
EGP 300,000 – EGP 1,500,000
Purchase limit abroad (POS)
EGP 500,000
Cash withdrawal limit abroad
EGP 6,000
Monthly intl. online limit (from Egypt)
EGP 800,000

Interest & fees

Effective annual rate (APR)
60.1% (4% /mo)
Nominal APR
48%
Grace period
56 days
Annual fee
EGP 8,000
Fee waivable
No
Issuance fee
EGP 8,000
Late payment fee
EGP 75
Over-limit fee
EGP 75
Supplementary card fee/yr
EGP 1,000
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
2% (min EGP 15)
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
Points per EGP
3.5
Detailed benefits
Lifestyle 2
  • السحب النقدي إمكانية استخدام 100 % من الحد الائتماني للبطاقة في السحب النقدي.
  • استخدام البطاقة محليًا ودوليًا استخدام البطاقة في عمليات الشراء والسحب النقدي محلياً ودولياً والسداد بالجنيه المصري.
Shopping 1
  • استخدام خاصية الـ Contactless إمكانية الشراء باستخدام خاصية الـ Contactless والتي تتيح لك التسوق الآمن والسريع واجراء حركات المشتريات بسهولة ويسر.

Eligibility

Min age
21
Max age
65
Approved employer
No
Accepted employment types
EmployedGovernment
Accepted professions
any profession
Accepted security types
Salary TransferWithout Salary TransferSavings Vessel (Certificate / Deposit)
Required documents
National ID CopySalary Slip (Last 3 Months)Recent Utility Bill
Eligibility criteria
Min supplementary age18
Nationalityegyptian

Do the maths

World Elite 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 4.0

4.0 Banky rating

Pros

  • Complimentary access to over 1,200 airport lounges by downloading the Mastercard Travel Pass app from the App Store or Google Play.

Cons

  • Relatively high issuance costs

Our take

Banque Misr's Mastercard World Elite Credit Card is one of the bank's most prestigious credit card products, combining high credit limits of up to EGP 1.5 million with an extensive range of premium travel and lifestyle privileges. The card offers unlimited complimentary access to more than 1,200 airport lounges worldwide, airport Fast Track services, exclusive hotel and travel discounts, premium car rental benefits, and complimentary international connectivity through Flexiroam. Its rewards program is particularly attractive, granting 3.5 points for every pound spent locally or internationally, making it one of the most rewarding cards in Banque Misr's portfolio. Overall, the card is best suited for affluent customers, frequent travelers, and high spenders seeking a premium lifestyle experience, provided they manage repayments responsibly given the 4% monthly interest rate.

One of Banque Misr’s flagship credit cards, offering premium travel privileges, strong rewards earning, and high credit limits for affluent and frequent-traveling customers.

Compare

Alternatives at a glance
World Elite Credit Card World Elite Credit Card BANQUE MISR This one AAIB World Elite Mastercard Credit Card Arab African International Bank IDB World Elite Mastercard Credit Card IDB World Elite Mastercard Credit Card The Industrial Development Bank World Elite Mastercard Credit Card Al Ahli Bank of Kuwait – Egypt
Annual fee
EGP 8,000 EGP 6,000 EGP 8,000 EGP 6,500
Rewards
Rewards points Rewards points Rewards points Rewards points
Effective APR
60.1% 60.1% 34.49% 60.1%
Compare with 3 similar credit cards

Added Sunday 05 July 2026 - 01:15 PM Updated Saturday 31 October 2026 - 12:03 AM