Editor-in-Chief Mohamed Salah
BANKY NOW 3 Nov 2026
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Credit cards
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3 products side by side
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EFG Hermes ONExBank NXT Credit Card 
bank nxt - Remove
Platinum Credit Card 
saib bank - Remove
platinum credit card bank nxt
No product wins everything — the right one depends on your need.
Best for…
- For travel platinum credit card EGP 384,000 vs EGP 4,000 at Platinum Credit Card
- Lowest annual fee Platinum Credit Card EGP 650 vs EGP 1,000 at EFG Hermes ONExBank NXT Credit Card
If you carry a balance
Biggest differences
- Annual fee EGP 350 apart
All specifications
| Specs | EFG Hermes ONExBank NXT Credit Card bank nxt | Platinum Credit Card saib bank | platinum credit card bank nxt |
|---|---|---|---|
| Network | Visa | Mastercard | Visa |
| Tier | Platinum | Platinum | Platinum |
| Contactless | Yes | Yes | Yes |
| Apple Pay | No | No | No |
| Google Pay | No | No | No |
| Credit limit | EGP 50,000 – EGP 1,000,000 | EGP 50,000 – EGP 50,000,000 | EGP 50,000 – EGP 1,000,000 |
| Purchase limit abroad (POS) | — | EGP 4,000 | EGP 384,000 Best |
| Cash withdrawal limit abroad | — | EGP 200 | EGP 2,400 Best |
| Monthly intl. online limit (from Egypt) | — | EGP 9,000 | EGP 144,000 Best |
| Effective annual rate (APR) | 59.92% (3.99% /mo) | 59.92% (3.99% /mo) | 59.92% (3.99% /mo) |
| Nominal APR | 47.88% | 47.88% | 47.88% |
| Grace period | 58 days | 58 days | 58 days |
| First year free | No | No | No |
| Annual fee | EGP 1,000 | EGP 650 Best | EGP 700 |
| Fee waivable | No | No | No |
| Issuance fee | Free issuance Best | EGP 650 | EGP 700 |
| Late payment fee | EGP 150 | EGP 150 | EGP 150 |
| Over-limit fee | EGP 200 | EGP 200 | EGP 200 |
| Supplementary card fee/yr | EGP 500 | EGP 450 | EGP 250 (first 1 free) |
| Foreign txn fee | 3% | 3% | 3% |
| Min payment (%) | 5% | 5% | 5% |
| Min payment (fixed) | EGP 100 | EGP 100 | EGP 100 |
| Cash advance APR (effective) | 59.92% (3.99% /mo) | 59.92% (3.99% /mo) | 59.92% (3.99% /mo) |
| Cash advance APR (nominal) | 47.88% | 47.88% | 47.88% |
| Domestic cash advance fee | EGP 60 | 7% (min EGP 70) | EGP 60 |
| Cash advance limit | Up to 100% of the credit limit in cash | Up to 100% of the credit limit in cash | Up to 100% of the credit limit in cash |
| Cash advance fee abroad | EGP 70 | 10% (min EGP 60) | EGP 70 |
| Lounge access | Yes | Yes | Yes |
| Installments | Yes | Yes | Yes |
| Travel insurance | No | No | No |
| Purchase protection | No | Yes | Yes |
| Cashback | Yes | No | No |
| Rewards points | No | Yes | No |
| Rewards program | — | Pay with Rewards | — |
| Points per EGP | — | 0.9 | — |
| Free lounge visits/yr | — | 2 | — |
| Installment months | 60 | 36 | — |
| Min salary | — | EGP 5,000 | — |
| Min age | 21 | 21 | 16 |
| Max age | — | 65 | 21 |
| Approved employer | No | Yes | No |