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%
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- 🇰🇼 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%
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- Ounce 218,970.00 +710.00 +0.33%
Credit cards
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2 products side by side
- Remove
IDB Platinum Mastercard Credit Card 
The Industrial Development Bank - Remove
HDB Royal Mastercard Credit Card Housing and Development Bank - Up to 3 products
No product wins everything — the right one depends on your need.
Best for…
- If you carry a balance IDB Platinum Mastercard Credit Card 34.49% vs 60.1% at HDB Royal Mastercard Credit Card
- For travel IDB Platinum Mastercard Credit Card EGP 6,000 vs EGP 5,000 at HDB Royal Mastercard Credit Card
- Lowest annual fee HDB Royal Mastercard Credit Card EGP 500 vs EGP 600 at IDB Platinum Mastercard Credit Card
If you carry a balance
Biggest differences
- Cash withdrawal limit abroad EGP 120 apart
- Effective annual rate (APR) 25.61 pts apart
- Late payment fee EGP 50 apart
- Over-limit fee EGP 50 apart
All specifications
| Specs | IDB Platinum Mastercard Credit Card The Industrial Development Bank | HDB Royal Mastercard Credit Card Housing and Development Bank |
|---|---|---|
| Network | Mastercard | Mastercard |
| Tier | Platinum | Platinum |
| Contactless | Yes | Yes |
| Apple Pay | No | No |
| Google Pay | No | No |
| Credit limit | EGP 50,000 – EGP 249,999 | EGP 50,000 – EGP 3,000,000 |
| Purchase limit abroad (POS) | EGP 6,000 Best | EGP 5,000 |
| Cash withdrawal limit abroad | EGP 0 | EGP 120 Best |
| Effective annual rate (APR) | 34.49% (2.5% /mo) Best | 60.1% (4% /mo) |
| Nominal APR | 30% Best | 48% |
| Grace period | 57 days Best | 56 days |
| First year free | No | No |
| Annual fee | EGP 600 | EGP 500 Best |
| Fee waivable | No | No |
| Issuance fee | EGP 600 | Free issuance Best |
| Late payment fee | EGP 100 Best | EGP 150 |
| Over-limit fee | EGP 100 Best | EGP 150 |
| Supplementary card fee/yr | EGP 300 | EGP 300 (first 2 free) |
| Foreign txn fee | 3% Best | 4% |
| Min payment (%) | 5% | 5% |
| Min payment (fixed) | EGP 100 | EGP 100 |
| Cash advance APR (effective) | — | 60.1% (4% /mo) |
| Cash advance APR (nominal) | — | 48% |
| Domestic cash advance fee | 3% (min EGP 40) | 2% (min EGP 25) Best |
| Cash advance limit | — | Up to 100% of the credit limit in cash |
| Cash advance fee abroad | 3% (min EGP 50) Best | 4% (min EGP 100) |
| Lounge access | Yes | Yes |
| Installments | Yes | Yes |
| Travel insurance | No | No |
| Purchase protection | No | No |
| Cashback | No | No |
| Rewards points | Yes | Yes |
| Points per EGP | — | 3 |
| Installment months | — | 36 |
| Min salary | — | EGP 5,000 |
| Min monthly income | — | EGP 5,000 |
| Min age | 21 | 21 |
| Max age | 65 | 65 |
| Approved employer | No | Yes |