Editor-in-Chief Mohamed Salah
BANKY NOW 3 Nov 2026
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EFG Hermes ONExBank NXT Credit Card 
bank nxt - Up to 3 products
All specifications
| Specs | EFG Hermes ONExBank NXT Credit Card bank nxt |
|---|---|
| Network | Visa |
| Tier | Platinum |
| Contactless | Yes |
| Apple Pay | No |
| Google Pay | No |
| Credit limit | EGP 50,000 – EGP 1,000,000 |
| Effective annual rate (APR) | 59.92% (3.99% /mo) |
| Nominal APR | 47.88% |
| Grace period | 58 days |
| First year free | No |
| Annual fee | EGP 1,000 |
| Fee waivable | No |
| Issuance fee | Free issuance |
| Late payment fee | EGP 150 |
| Over-limit fee | EGP 200 |
| Supplementary card fee/yr | EGP 500 |
| Foreign txn fee | 3% |
| Min payment (%) | 5% |
| Min payment (fixed) | EGP 100 |
| Cash advance APR (effective) | 59.92% (3.99% /mo) |
| Cash advance APR (nominal) | 47.88% |
| Domestic cash advance fee | EGP 60 |
| Cash advance limit | Up to 100% of the credit limit in cash |
| Cash advance fee abroad | EGP 70 |
| Lounge access | Yes |
| Installments | Yes |
| Travel insurance | No |
| Purchase protection | No |
| Cashback | Yes |
| Rewards points | No |
| Installment months | 60 |
| Min age | 21 |
| Approved employer | No |