Editor-in-Chief Mohamed Salah
BANKY NOW 3 Nov 2026
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Credit cards
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EFG Hermes ONExBank NXT Credit Card 
bank nxt - Remove
platinum credit card bank nxt - Up to 3 products
No product wins everything — the right one depends on your need.
Best for…
- Lowest annual fee platinum credit card EGP 700 vs EGP 1,000 at EFG Hermes ONExBank NXT Credit Card
If you carry a balance
Biggest differences
- Annual fee EGP 300 apart
All specifications
| Specs | EFG Hermes ONExBank NXT Credit Card bank nxt | platinum credit card bank nxt |
|---|---|---|
| Network | Visa | Visa |
| Tier | Platinum | Platinum |
| Contactless | Yes | Yes |
| Apple Pay | No | No |
| Google Pay | No | No |
| Credit limit | EGP 50,000 – EGP 1,000,000 | EGP 50,000 – EGP 1,000,000 |
| Purchase limit abroad (POS) | — | EGP 384,000 |
| Cash withdrawal limit abroad | — | EGP 2,400 |
| Monthly intl. online limit (from Egypt) | — | EGP 144,000 |
| Effective annual rate (APR) | 59.92% (3.99% /mo) | 59.92% (3.99% /mo) |
| Nominal APR | 47.88% | 47.88% |
| Grace period | 58 days | 58 days |
| First year free | No | No |
| Annual fee | EGP 1,000 | EGP 700 Best |
| Fee waivable | No | No |
| Issuance fee | Free issuance Best | EGP 700 |
| Late payment fee | EGP 150 | EGP 150 |
| Over-limit fee | EGP 200 | EGP 200 |
| Supplementary card fee/yr | EGP 500 | EGP 250 (first 1 free) |
| Foreign txn fee | 3% | 3% |
| Min payment (%) | 5% | 5% |
| Min payment (fixed) | EGP 100 | EGP 100 |
| Cash advance APR (effective) | 59.92% (3.99% /mo) | 59.92% (3.99% /mo) |
| Cash advance APR (nominal) | 47.88% | 47.88% |
| Domestic cash advance fee | EGP 60 | EGP 60 |
| Cash advance limit | Up to 100% of the credit limit in cash | Up to 100% of the credit limit in cash |
| Cash advance fee abroad | EGP 70 | EGP 70 |
| Lounge access | Yes | Yes |
| Installments | Yes | Yes |
| Travel insurance | No | No |
| Purchase protection | No | Yes |
| Cashback | Yes | No |
| Rewards points | No | No |
| Installment months | 60 | — |
| Min age | 21 | 16 |
| Max age | — | 21 |
| Approved employer | No | No |