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 Royal Mastercard Credit Card 
Housing and Development Bank - Remove
Visa Platinum Credit Card 
BANQUE MISR - Remove AAIB Platinum Cashback Visa Credit Card Arab African International Bank
No product wins everything — the right one depends on your need.
Best for…
- For travel Visa Platinum Credit Card EGP 300,000 vs EGP 5,000 at HDB Royal Mastercard Credit Card
- Lowest annual fee HDB Royal Mastercard Credit Card & Visa Platinum Credit Card EGP 500 vs EGP 600 at AAIB Platinum Cashback Visa Credit Card
If you carry a balance
Biggest differences
- Cash withdrawal limit abroad ×83
- Purchase limit abroad (POS) ×60
- Late payment fee ×2
- Over-limit fee ×2
All specifications
| Specs | HDB Royal Mastercard Credit Card Housing and Development Bank | Visa Platinum Credit Card BANQUE MISR | AAIB Platinum Cashback Visa Credit Card Arab African International Bank |
|---|---|---|---|
| Network | Mastercard | Visa | Visa |
| Tier | Platinum | Platinum | Platinum |
| Contactless | Yes | Yes | Yes |
| Apple Pay | No | Yes | Yes |
| Google Pay | No | No | No |
| Credit limit | EGP 50,000 – EGP 3,000,000 | EGP 25,000 – EGP 100,000 | EGP 25,000 – EGP 200,000 |
| Purchase limit abroad (POS) | EGP 5,000 | EGP 300,000 Best | EGP 290,000 |
| Cash withdrawal limit abroad | EGP 120 | EGP 3,000 | EGP 10,000 Best |
| Monthly intl. online limit (from Egypt) | — | EGP 100,000 Best | EGP 50,000 |
| Effective annual rate (APR) | 60.1% (4% /mo) | 60.1% (4% /mo) | 60.1% (4% /mo) |
| Nominal APR | 48% | 48% | 48% |
| Installment interest | — | — | 95% |
| Grace period | 56 days Best | 56 days Best | 55 days |
| First year free | No | No | No |
| Annual fee | EGP 500 Best | EGP 500 Best | EGP 600 |
| Fee waivable | No | No | No |
| Issuance fee | Free issuance Best | EGP 500 | EGP 600 |
| Late payment fee | EGP 150 | EGP 75 Best | EGP 150 |
| Over-limit fee | EGP 150 | EGP 75 Best | EGP 150 |
| Supplementary card fee/yr | EGP 300 (first 2 free) | EGP 300 | EGP 600 |
| 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) | 60.1% (4% /mo) | 60.1% (4% /mo) |
| Cash advance APR (nominal) | 48% | 48% | 48% |
| Domestic cash advance fee | 2% (min EGP 25) Best | 2% (min EGP 15) Best | 3% (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 90% of the credit limit in cash |
| Cash advance fee abroad | 4% (min EGP 100) | 3% (min EGP 50) Best | 3% (min EGP 50) Best |
| Lounge access | Yes | Yes | No |
| Installments | Yes | Yes | Yes |
| Travel insurance | No | Yes | Yes |
| Purchase protection | No | Yes | Yes |
| Cashback | No | No | No |
| Rewards points | Yes | Yes | Yes |
| Rewards program | — | — | برنامج المكافآت |
| Points per EGP | 3 Best | 3 Best | 2.5 |
| Signup bonus | — | — | 2.5 نقطةلكل جنيه |
| Installment months | 36 | 36 | 60 |
| Min salary | EGP 5,000 | — | EGP 5,000 |
| Min monthly income | EGP 5,000 | — | EGP 5,000 |
| Min age | 21 | 21 | 21 |
| Max age | 65 | 65 | 65 |
| Approved employer | Yes | No | No |