Editor-in-Chief Mohamed Salah
BANKY NOW 3 Nov 2026
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Credit cards
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2 products side by side
- Remove
IDB World Elite Mastercard Credit Card 
The Industrial Development Bank - Remove AAIB World Elite Mastercard Credit Card Arab African International Bank
- Up to 3 products
No product wins everything — the right one depends on your need.
Best for…
- If you carry a balance IDB World Elite Mastercard Credit Card 34.49% vs 60.1% at AAIB World Elite Mastercard Credit Card
- For travel AAIB World Elite Mastercard Credit Card EGP 490,000 vs EGP 10,000 at IDB World Elite Mastercard Credit Card
- Lowest annual fee AAIB World Elite Mastercard Credit Card EGP 6,000 vs EGP 8,000 at IDB World Elite Mastercard Credit Card
If you carry a balance
Biggest differences
- Cash withdrawal limit abroad EGP 10,000 apart
- Purchase limit abroad (POS) ×49
- Effective annual rate (APR) 25.61 pts apart
- Late payment fee EGP 50 apart
All specifications
| Specs | IDB World Elite Mastercard Credit Card The Industrial Development Bank | AAIB World Elite Mastercard Credit Card Arab African International Bank |
|---|---|---|
| Network | Mastercard | Mastercard |
| Tier | World Elite | World Elite |
| Contactless | Yes | Yes |
| Apple Pay | No | Yes |
| Google Pay | No | No |
| Credit limit | EGP 250,000 – EGP 1,000,000 | EGP 250,000 – EGP 5,000,000 |
| Purchase limit abroad (POS) | EGP 10,000 | EGP 490,000 Best |
| Cash withdrawal limit abroad | EGP 0 | EGP 10,000 Best |
| Monthly intl. online limit (from Egypt) | — | EGP 200,000 |
| Effective annual rate (APR) | 34.49% (2.5% /mo) Best | 60.1% (4% /mo) |
| Nominal APR | 30% Best | 48% |
| Installment interest | — | 95% |
| Grace period | 57 days Best | 55 days |
| First year free | No | No |
| Annual fee | EGP 8,000 | EGP 6,000 Best |
| Fee waivable | No | No |
| Issuance fee | EGP 8,000 | EGP 6,000 Best |
| Late payment fee | EGP 100 Best | EGP 150 |
| Over-limit fee | EGP 100 Best | EGP 150 |
| Supplementary card fee/yr | EGP 1,000 | EGP 6,000 |
| Foreign txn fee | — | 5% |
| 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) | 3% (min EGP 40) |
| Cash advance limit | — | Up to 90% of the credit limit in cash |
| Cash advance fee abroad | 3% (min EGP 50) | 3% (min EGP 50) |
| Lounge access | Yes | Yes |
| Installments | Yes | Yes |
| Travel insurance | No | Yes |
| Purchase protection | No | Yes |
| Cashback | No | No |
| Rewards points | Yes | Yes |
| Rewards program | — | برنامج المكافآت |
| Points per EGP | — | 2.5 |
| Signup bonus | — | 2.5 نقطة لكل جنيه |
| Free lounge visits/yr | — | 10 |
| Installment months | — | 60 |
| Min salary | — | EGP 10,000 |
| Min monthly income | — | EGP 10,000 |
| Min age | 21 | 21 |
| Max age | 65 | 65 |
| Approved employer | No | No |