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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3 products side by side
- Remove
HDB Classic Mastercard Credit Card 
Housing and Development Bank - Remove
SAIB Classic Mastercard Credit Card saib bank - Remove
EBank Classic Mastercard Credit Card Export Development Bank of Egypt
No product wins everything — the right one depends on your need.
Best for…
- If you carry a balance HDB Classic Mastercard Credit Card & EBank Classic Mastercard Credit Card 60.1% vs 69.59% at SAIB Classic Mastercard Credit Card
- For travel SAIB Classic Mastercard Credit Card EGP 1,000 vs EGP 200 at HDB Classic Mastercard Credit Card & EBank Classic Mastercard Credit Card
- Lowest annual fee HDB Classic Mastercard Credit Card EGP 200 vs EGP 300 at SAIB Classic Mastercard Credit Card
If you carry a balance
Biggest differences
- Cash withdrawal limit abroad ×104
- Monthly intl. online limit (from Egypt) ×50
- Purchase limit abroad (POS) ×5
- Domestic cash advance fee 5 pts apart
All specifications
| Specs | HDB Classic Mastercard Credit Card Housing and Development Bank | SAIB Classic Mastercard Credit Card saib bank | EBank Classic Mastercard Credit Card Export Development Bank of Egypt |
|---|---|---|---|
| Network | Mastercard | Mastercard | Mastercard |
| Tier | Classic | Classic | Classic |
| Contactless | Yes | Yes | Yes |
| Apple Pay | No | No | No |
| Google Pay | No | No | No |
| Credit limit | EGP 5,000 – EGP 9,999 | Up to EGP 14,999 | EGP 3,000 – EGP 9,999 |
| Purchase limit abroad (POS) | EGP 200 | EGP 1,000 Best | EGP 200 |
| Cash withdrawal limit abroad | EGP 30 | EGP 100 | EGP 3,125 Best |
| Monthly intl. online limit (from Egypt) | EGP 9,999 Best | EGP 2,000 | EGP 200 |
| Effective annual rate (APR) | 60.1% (4% /mo) Best | 69.59% (4.5% /mo) | 60.1% (4% /mo) Best |
| Nominal APR | 48% Best | 54% | 48% Best |
| Grace period | 56 days | 58 days Best | 55 days |
| First year free | No | No | No |
| Annual fee | EGP 200 Best | EGP 300 | EGP 250 |
| Fee waivable | No | No | No |
| Issuance fee | EGP 200 Best | EGP 300 | EGP 250 |
| Late payment fee | EGP 150 | EGP 150 | EGP 150 |
| Over-limit fee | EGP 150 | EGP 200 | EGP 100 Best |
| Supplementary card fee/yr | EGP 100 (first 4 free) | EGP 300 | EGP 250 |
| Foreign txn fee | 4% | 3% Best | 3% Best |
| Min payment (%) | 5% | 5% | 5% |
| Min payment (fixed) | EGP 100 | EGP 100 | EGP 100 |
| Cash advance APR (effective) | 60.1% (4% /mo) Best | 69.59% (4.5% /mo) | 60.1% (4% /mo) Best |
| Cash advance APR (nominal) | 48% Best | 54% | 48% Best |
| Domestic cash advance fee | 2% (min EGP 25) Best | 7% (min EGP 70) | 4% (min EGP 40) |
| Cash advance limit | Up to 100% of the credit limit in cash Best | Up to 100% of the credit limit in cash Best | Up to 85% of the credit limit in cash |
| Cash advance fee abroad | 4% (min EGP 100) Best | 10% (min EGP 60) | 7% (min EGP 50) |
| Lounge access | Yes | No | No |
| Installments | Yes | Yes | Yes |
| Travel insurance | No | No | No |
| Purchase protection | No | No | No |
| Cashback | No | No | No |
| Rewards points | Yes | Yes | No |
| Points per EGP | 1 Best | 0.5 | — |
| Installment months | 36 | 36 | — |
| Min salary | EGP 5,000 | EGP 5,000 | — |
| Min monthly income | EGP 5,000 | — | — |
| Min age | 21 | — | 21 |
| Max age | 65 | — | 65 |
| Approved employer | Yes | No | Yes |