Editor-in-Chief Mohamed Salah
BANKY NOW 3 Nov 2026
Central Bank of Egypt- 🇺🇸 USD Buy 55.28 Sell 55.42 −0.08 −0.15%
- 🇪🇺 EUR Buy 61.80 Sell 61.97 −0.25 −0.40%
- 🇬🇧 GBP Buy 74.13 Sell 74.34 −0.11 −0.15%
- 🇸🇦 SAR Buy 14.73 Sell 14.77 −0.02 −0.16%
- 🇦🇪 AED Buy 15.05 Sell 15.09 −0.02 −0.15%
- 🇰🇼 KWD Buy 179.43 Sell 179.94 −0.22 −0.12%
- 24 Karat 7,040.00 +25.00 +0.36%
- 21 Karat 6,160.00 +20.00 +0.33%
- 18 Karat 5,280.00 +15.00 +0.28%
- Gold Pound 49,280.00 +160.00 +0.33%
- Ounce 218,970.00 +710.00 +0.33%
Credit cards
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2 products side by side
- Remove
Visa Classic 
National Bank of Egypt - Remove
CIB Classic Cashback Mastercard Credit Card 
CIB Egypt - Up to 3 products
No product wins everything — the right one depends on your need.
Best for…
- If you carry a balance Visa Classic 51.11% vs 59.92% at CIB Classic Cashback Mastercard Credit Card
- For cashback CIB Classic Cashback Mastercard Credit Card 5% vs 0% at Visa Classic
- For travel CIB Classic Cashback Mastercard Credit Card EGP 500,000 vs EGP 50,000 at Visa Classic
- Lowest annual fee Visa Classic EGP 150 vs EGP 350 at CIB Classic Cashback Mastercard Credit Card
If you carry a balance
Biggest differences
- Purchase limit abroad (POS) ×10
- Cash advance fee abroad 7 pts apart
- Annual fee ×2
- Monthly intl. online limit (from Egypt) ×2
All specifications
| Specs | Visa Classic National Bank of Egypt | CIB Classic Cashback Mastercard Credit Card CIB Egypt |
|---|---|---|
| Network | Visa | Mastercard |
| Tier | Classic | Classic |
| Contactless | Yes | Yes |
| Apple Pay | Yes | Yes |
| Google Pay | No | No |
| Credit limit | EGP 1 – EGP 9,999 | EGP 10,000 – EGP 30,000 |
| Purchase limit abroad (POS) | EGP 50,000 | EGP 500,000 Best |
| Cash withdrawal limit abroad | EGP 3,750 | EGP 4,000 Best |
| Monthly intl. online limit (from Egypt) | EGP 100,000 | EGP 200,000 Best |
| Effective annual rate (APR) | 51.11% (3.5% /mo) Best | 59.92% (3.99% /mo) |
| Nominal APR | 42% Best | 47.88% |
| Installment interest | 3.5% | — |
| Grace period | 55 days | 55 days |
| First year free | No | No |
| Annual fee | EGP 150 Best | EGP 350 |
| Fee waivable | No | No |
| Issuance fee | EGP 150 Best | EGP 350 |
| Late payment fee | EGP 75 Best | EGP 150 |
| Over-limit fee | EGP 75 Best | EGP 150 |
| Supplementary card fee/yr | EGP 25 | EGP 0 |
| Foreign txn fee | 3% | — |
| Min payment (%) | 5% | 5% |
| Min payment (fixed) | EGP 100 | EGP 100 |
| Cash advance APR (effective) | 51.11% (3.5% /mo) | — |
| Cash advance APR (nominal) | 42% | — |
| Domestic cash advance fee | EGP 5 | 5% (min EGP 50) |
| 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 | 3% (min EGP 100) Best | 10% (min EGP 20) |
| Lounge access | No | Yes |
| Installments | Yes | Yes |
| Travel insurance | No | No |
| Purchase protection | Yes | No |
| Cashback | No | Yes |
| Cashback rate | — | 5% |
| Rewards points | Yes | No |
| Rewards program | نقاط الأهلي للمكافات | — |
| Points per EGP | 1 | — |
| Signup bonus | نقطة لكل جنيه | — |
| Installment months | 36 | — |
| Min salary | EGP 0 | — |
| Min monthly income | EGP 0 | — |
| Min age | 21 | 21 |
| Max age | 60 | 65 |
| Approved employer | No | No |