Editor-in-Chief Mohamed Salah
BANKY NOW 2 Nov 2026
Central Bank of Egypt- 🇺🇸 USD Buy 55.37 Sell 55.51 −0.35 −0.63%
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- 🇰🇼 KWD Buy 179.65 Sell 180.15 −1.14 −0.63%
- 24 Karat 7,040.00 +25.00 +0.36%
- 21 Karat 6,160.00 +20.00 +0.33%
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- 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
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Platinum Credit Card 
saib bank - Remove
platinum credit card 
bank nxt - Remove
CIB Platinum Mastercard Credit Card CIB Egypt
No product wins everything — the right one depends on your need.
Best for…
- For travel CIB Platinum Mastercard Credit Card EGP 500,000 vs EGP 4,000 at Platinum Credit Card
- Lowest annual fee Platinum Credit Card EGP 650 vs EGP 700 at platinum credit card & CIB Platinum Mastercard Credit Card
If you carry a balance
Biggest differences
- Purchase limit abroad (POS) ×125
- Monthly intl. online limit (from Egypt) ×22
- Cash withdrawal limit abroad ×20
- Over-limit fee EGP 50 apart
All specifications
| Specs | Platinum Credit Card saib bank | platinum credit card bank nxt | CIB Platinum Mastercard Credit Card CIB Egypt | |
|---|---|---|---|---|
| Network | Mastercard | Visa | Mastercard | |
| Tier | Platinum | Platinum | Platinum | |
| Contactless | Yes | Yes | Yes | |
| Apple Pay | No | No | Yes | |
| Google Pay | No | No | No | |
| Credit limit | EGP 50,000 – EGP 50,000,000 | EGP 50,000 – EGP 1,000,000 | EGP 30,000 – EGP 500,000 | |
| Purchase limit abroad (POS) | EGP 4,000 | EGP 384,000 | EGP 500,000 Best | |
| Cash withdrawal limit abroad | EGP 200 | EGP 2,400 | EGP 4,000 Best | |
| Monthly intl. online limit (from Egypt) | EGP 9,000 | EGP 144,000 | EGP 200,000 Best | |
| Effective annual rate (APR) | 59.92% (3.99% /mo) | 59.92% (3.99% /mo) | 59.92% (3.99% /mo) | |
| Nominal APR | 47.88% | 47.88% | 47.88% | |
| Grace period | 58 days Best | 58 days Best | 55 days | |
| First year free | No | No | No | |
| Annual fee | EGP 650 Best | EGP 700 | EGP 700 | |
| Fee waivable | No | No | No | |
| Issuance fee | EGP 650 Best | EGP 700 | EGP 700 | |
| Late payment fee | EGP 150 | EGP 150 | EGP 150 | |
| Over-limit fee | EGP 200 | EGP 200 | EGP 150 Best | |
| Supplementary card fee/yr | EGP 450 | EGP 250 (first 1 free) | EGP 0 | |
| Foreign txn fee | 3% | 3% | 3% | |
| Min payment (%) | 5% | 5% | 5% | |
| Min payment (fixed) | EGP 100 | EGP 100 | EGP 100 | |
| Cash advance APR (effective) | 59.92% (3.99% /mo) | 59.92% (3.99% /mo) | — | |
| Cash advance APR (nominal) | 47.88% | 47.88% | — | |
| Domestic cash advance fee | 7% (min EGP 70) | EGP 60 | 4% (min EGP 40) | |
| 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 | 10% (min EGP 60) | EGP 70 | 10% (min EGP 20) | |
| Lounge access | Yes | Yes | Yes | |
| Installments | Yes | Yes | Yes | |
| Travel insurance | No | No | No | |
| Purchase protection | Yes | Yes | No | |
| Cashback | No | No | No | |
| Rewards points | Yes | No | Yes | |
| Rewards program | Pay with Rewards | — | CIB BONUS | |
| Points per EGP | 0.9 | — | 3 Best | |
| Signup bonus | — | — | نقاط BONUS الترحيبية: 150,000 نقطة بقيمة 750 جنيه عند إنفاق 60,000 جنيه خلال أول 3 أشهر | |
| Free lounge visits/yr | 2 | — | — | |
| Installment months | 36 | — | — | |
| Min salary | EGP 5,000 | — | — | |
| Min age | 21 | 16 | 21 | |
| Max age | 65 | 21 | 65 | |
| Approved employer | Yes | No | No | |