Editor-in-Chief Mohamed Salah
BANKY NOW 3 Nov 2026
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Credit cards
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3 products side by side
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AlexBank Titanium Mastercard Credit Card 
Alex Bank - Remove
CIB Titanium Mastercard Credit Card CIB Egypt - Remove
Titanium Mastercard The Industrial Development Bank
No product wins everything — the right one depends on your need.
Best for…
- If you carry a balance AlexBank Titanium Mastercard Credit Card 30.6% vs 60.1% at Titanium Mastercard
- For cashback AlexBank Titanium Mastercard Credit Card 10% vs 0% at CIB Titanium Mastercard Credit Card & Titanium Mastercard
- For travel CIB Titanium Mastercard Credit Card EGP 500,000 vs EGP 1,400 at Titanium Mastercard
- Lowest annual fee AlexBank Titanium Mastercard Credit Card EGP 250 vs EGP 450 at CIB Titanium Mastercard Credit Card
If you carry a balance
Biggest differences
- Effective annual rate (APR) 29.5 pts apart
- Annual fee EGP 200 apart
All specifications
| Specs | AlexBank Titanium Mastercard Credit Card Alex Bank | CIB Titanium Mastercard Credit Card CIB Egypt | Titanium Mastercard The Industrial Development Bank | |
|---|---|---|---|---|
| Network | Mastercard | Mastercard | Mastercard | |
| Tier | Titanium | Titanium | Titanium | |
| Contactless | Yes | Yes | Yes | |
| Apple Pay | Yes | Yes | No | |
| Google Pay | No | No | No | |
| Credit limit | EGP 30,000 – EGP 99,999 | EGP 10,000 – EGP 150,000 | EGP 10,000 – EGP 49,999 | |
| Purchase limit abroad (POS) | — | EGP 500,000 Best | EGP 1,400 | |
| Cash withdrawal limit abroad | — | EGP 4,000 Best | EGP 0 | |
| Monthly intl. online limit (from Egypt) | — | EGP 200,000 | — | |
| Effective annual rate (APR) | 30.6% (2.25% /mo) Best | 59.92% (3.99% /mo) | 60.1% (4% /mo) | |
| Nominal APR | 27% Best | 47.88% | 48% | |
| Installment interest | — | — | 4% | |
| Grace period | 56 days | 55 days | 57 days Best | |
| First year free | No | No | No | |
| Annual fee | EGP 250 Best | EGP 450 | EGP 350 | |
| Fee waivable | No | No | No | |
| Issuance fee | EGP 400 | EGP 450 | EGP 350 Best | |
| Late payment fee | — | EGP 150 | EGP 100 Best | |
| Over-limit fee | — | EGP 150 | EGP 100 Best | |
| Supplementary card fee/yr | EGP 400 | EGP 0 | EGP 150 | |
| Foreign txn fee | — | 3% | 3% | |
| Min payment (%) | 5% | 5% | 5% | |
| Min payment (fixed) | EGP 100 | EGP 100 | EGP 100 | |
| Cash advance APR (effective) | — | — | 60.1% (4% /mo) | |
| Cash advance APR (nominal) | — | — | 48% | |
| Domestic cash advance fee | — | 4% (min EGP 40) | 3% (min EGP 40) Best | |
| 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 20) | 3% (min EGP 50) Best | |
| Lounge access | Yes | Yes | Yes | |
| Installments | No | Yes | Yes | |
| Travel insurance | No | No | No | |
| Purchase protection | No | No | No | |
| Cashback | Yes | No | No | |
| Cashback rate | 10% | — | — | |
| Rewards points | No | Yes | Yes | |
| Rewards program | — | CIB BONUS | — | |
| Points per EGP | — | 2 | — | |
| Signup bonus | — | نقاط BONUS الترحيبية: 100,000 نقطة بقيمة 500 جنيه عند إنفاق 30,000 جنيه خلال أول 3 أشهر | — | |
| Free lounge visits/yr | 10 | — | — | |
| Installment months | — | — | 60 | |
| Min age | 21 | 21 | 21 | |
| Max age | 65 | 65 | 65 | |
| Approved employer | No | No | No | |