Credit cards | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Editor's choice Best for: THE BEST Active offer 0% installments
Annual fee EGP 4,000
Rewards Rewards points
Effective APR 55.55%
Details
Updated Sunday 01 November 2026 - 04:05 PM
3 live offers on this card Zero Interest Installment 3
Banky Analysis

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Our take 4.0
4.0 Banky rating

Pros

  • Access to more than 1,300 airport lounges worldwide, along with extensive travel, concierge, insurance, and protection benefits.

Cons

  • The card delivers its full value mainly to frequent travelers and high spenders, so average users may not fully benefit from all its premium features.

Our take

The Visa Infinite Credit Card from Suez Canal Bank is one of the strongest premium credit cards for high-spending customers and frequent travelers, offering a comprehensive range of rewards, airport lounge access, concierge services, travel privileges, insurance benefits, and flexible installment plans of up to 60 months.

A premium travel-focused credit card offering luxury benefits, exclusive global privileges, strong rewards, and comprehensive protection services.

User ratings

0% installments First year free
Annual fee EGP 1,000
Rewards Rewards points
Effective APR 60.1%
Apple Pay Fee waivable
Details
Updated Monday 26 October 2026 - 07:15 PM
Banky Analysis

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Our take 4.5
4.5 Banky rating

Pros

  • The ultimate concierge service (VIP Concierge 24/7)
  • Unlimited, complimentary access to over 1,290 airport lounges in more than 200 cities worldwide via the DragonPass service.
  • Complimentary airport services: Includes "Meet & Assist" service at Dubai and Abu Dhabi airports for you and your family, as well as complimentary airport transfers in over 120 cities worldwide.
  • It offers you exclusive benefits when booking at over 1,500 ultra-luxury hotels and resorts.
  • Up to 50% off fine dining experiences.
  • Industry-leading international usage limits: The card offers a substantial financial limit for use outside Egypt, with a monthly purchase limit of up to EGP 490,000 and an international cash withdrawal limit of EGP 10,000.

Cons

  • The card is not available through the standard application process; rather, it is reserved exclusively for "Ultra-Wealth" segment clients—prominent business leaders and high-net-worth individuals.
  • High annual fees
  • Cash withdrawal fees: It is always best to avoid card-based cash withdrawals, as immediate interest and fees are charged from the date of the withdrawal.

Our take

The Visa Infinite Privilege card is more of a "luxury lifestyle card" than a mere payment tool. If you seek the ultimate in travel luxury and prefer having a personal concierge to arrange private jets, yachts, and luxury hotels—complete with substantial discounts—then this card is the undisputed best choice offered by the Arab African International Bank.

If you are seeking the ultimate in travel luxury and prefer having a personal assistant to arrange private jets, yachts, and luxury hotels—all with massive discounts—then this card is the best choice.

User ratings

Active offer
Annual fee No fee
Rewards Rewards points
Effective APR 37.19%
Apple Pay Fee waivable
Details
Updated Sunday 01 November 2026 - 04:24 PM
17 live offers on this card Discount 9 · Zero Interest Installment 8

Nearest end first · 6 of 17

Banky Analysis

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Our take 4.5
4.5 Banky rating

Pros

  • No issuance or annual fees.
  • Free domestic cash withdrawals.
  • Installments up to 12 months with BONUS rewards.

Cons

  • Only a 40-day grace period.
  • Focused on installments rather than travel or cashback.
  • 3.99% interest on non-installment transactions.

Our take

The CIB Swype 12 Credit Card is ideal for customers looking for short-term installment plans with no issuance or renewal fees. It also offers free domestic cash withdrawals, making it a practical everyday card.

The CIB Swype 12 Credit Card is ideal for customers looking for short-term installment plans with no issuance or renewal fees.

User ratings

Active offer
Annual fee No fee
Rewards Rewards points
Effective APR 37.19%
Apple Pay Fee waivable
Details
Updated Sunday 01 November 2026 - 04:24 PM
17 live offers on this card Discount 9 · Zero Interest Installment 8

Nearest end first · 6 of 17

Banky Analysis

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Our take 4.8
4.8 Banky rating

Pros

  • Installments up to 36 months.
  • No issuance or renewal fees.
  • Free domestic cash withdrawals.

Cons

  • Only a 40-day grace period.
  • No travel or airport lounge benefits.
  • Limited value for customers who don't use installments.

Our take

The CIB Swype 36 Credit Card is designed for customers who need longer installment periods for larger purchases while keeping the same fee-free benefits and flexibility.

User ratings

Active offer
Annual fee No fee
Rewards Rewards points
Effective APR 37.19%
Apple Pay Fee waivable
Details
Updated Sunday 01 November 2026 - 04:24 PM
17 live offers on this card Discount 9 · Zero Interest Installment 8

Nearest end first · 6 of 17

Banky Analysis

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Our take 5.0
5.0 Banky rating

Pros

  • Installments up to 60 months.
  • No issuance or annual fees.
  • Free domestic cash withdrawals.

Cons

  • Only a 40-day grace period.
  • No cashback or premium travel benefits.

Our take

The CIB Swype 60 Credit Card is the best choice within the Swype family for customers seeking the longest installment period for high-value purchases while enjoying zero issuance and renewal fees.

User ratings

0% installments
Annual fee EGP 200
Rewards None
Effective APR 42.58%
Details
Updated Monday 26 October 2026 - 05:23 PM
Banky Analysis

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Our take 2.5
2.5 Banky rating

Pros

  • The card offers an interest-free grace period of up to 57 days on purchases, allowing you to settle your outstanding balances at your convenience.
  • The card supports the One-Time Password (OTP) feature for secure online shopping, as well as contactless payment functionality.
  • You can settle your card balance at branches of the Principal Bank for Development and Agricultural Credit (PBDAC)—which are widely distributed across all governorates and villages—or via ATMs.
  • Offers and Discounts: Take advantage of exclusive discounts provided by Mastercard on restaurants, hotels, and shopping centers.
  • Get a free supplementary card.

Cons

  • The credit limit is relatively low compared to other banks.
  • ATM withdrawal fees are 5%, with a minimum of 50 pounds.

Our take

The Mastercard Titanium credit card offered by the Agricultural Bank of Egypt is an attractive option for those seeking financial flexibility and convenient payment and purchasing facilities. While it is an excellent and practical choice for specific customer segments, it may not be the best option for someone seeking ultimate luxury or the accumulation of substantial reward points.

The card fulfills its primary purpose with high efficiency and security.

User ratings

Annual fee No fee
Rewards Rewards points
Effective APR 68.04%
Details
Updated Thursday 24 September 2026 - 12:38 PM
Banky Analysis

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Our take 4.2
4.2 Banky rating

Pros

  • It offers an excellent balance between a high credit limit and a repayment period of up to 56 days without interest, with broad international acceptance.

Cons

  • Its annual fees are relatively higher compared to basic and gold cards.

Our take

The card offers a strong mix of flexibility and rewards, with no annual fee if you hit a certain spending limit, up to 56 days of grace period, plus travel perks and purchase protection.

User ratings

Annual fee EGP 200
Rewards Rewards points
Effective APR 79.38%
Details
Updated Monday 26 October 2026 - 01:28 AM
Banky Analysis

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Our take 4.0
4.0 Banky rating

Pros

  • It offers free access to several premium lounges at selected airports in the region, along with advanced installment offers.

Cons

  • The monthly interest rate is high (4.99%) and it gives fewer reward points compared to higher cards like the platinum ones.

Our take

It offers better benefits than the basic tiers with a moderate annual fee, making it ideal for frequent users and travelers.

User ratings

Annual fee No fee
Rewards Rewards points
Effective APR 60.1%
Apple Pay
Details
Updated Saturday 31 October 2026 - 12:03 AM
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Our take 4.5
4.5 Banky rating

Pros

  • A comprehensive package of travel privileges, including a complimentary business-class ticket in the first year, airport services and premium transfers, plus 3.5 reward points per Egyptian pound spent.

Cons

  • - The card is restricted to Private banking clients, and a minimum annual spend of EGP 4 million is required to qualify again for the complimentary business-class ticket from the second year onward.

Our take

Bank Misr’s Private Visa Infinite Credit Card offers a comprehensive range of privileges tailored to private banking clients, with a focus on premium travel experiences and exclusive services. Benefits include a complimentary business-class ticket during the first year, airport meet-and-greet and transfer services, and access to airport lounges worldwide, subject to program terms. The card also earns 3.5 points for every Egyptian pound spent locally and internationally, alongside hotel, shopping, car rental, and 24/7 concierge benefits. However, some of its key privileges are subject to specific eligibility requirements, including an annual spending threshold to qualify for a complimentary business-class ticket from the second year onward. In addition, the card is exclusively available to Private banking clients, limiting access for a broader customer base.

An exclusive credit card for Bank Misr Private clients, combining premium travel privileges with 3.5 reward points per Egyptian pound spent, alongside hotel, airport, and concierge benefits.

User ratings

Active offer 0% installments
Annual fee EGP 250
Rewards Rewards points
Effective APR 51.11%
Apple Pay
Details
Updated Monday 26 October 2026 - 02:35 PM
32 live offers on this card Discount 28 · Zero Interest Installment 4 · Triple Zero 3

Nearest end first · 6 of 32

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Our take 3.5
3.5 Banky rating

Pros

  • Flexible grace period: Up to 55 days on purchases only, giving you ample time to repay without interest.
  • AlAhli Points Rewards Program: The card awards you one point for every pound spent on purchases.
  • Cash withdrawal flexibility: The bank offers a credit limit for daily cash withdrawals of up to EGP 30,000.
  • Free supplementary card: You can issue a free supplementary card for a family member.
  • Installment and Secure Shopping Programs: The option to pay for purchases in installments through various Al Ahli Bank programs, featuring a secure code.

Cons

  • A minimum spend equivalent to one US dollar (in any foreign currency) must be made using the card internationally at least 72 hours prior to the visit to activate airport lounge access privileges for a period of three months.
  • Credit Limit: The maximum limit (49,999 EGP) may not be sufficient for individuals whose spending patterns require larger amounts or who are planning major purchases.

Our take

The National Bank of Egypt (NBE) Titanium Mastercard is an excellent choice for the mid-range segment seeking a balance between fees and services. However, the card has certain limitations for international travelers due to recent conditions imposed by Mastercard regarding airport lounge access. If you are an employee looking for a card for daily purchases, emergencies, and installment plans within Egypt, it is one of the best options in its price category. Conversely, if you desire the prestige of travel perks, unlimited free airport lounge access, or high spending limits, it is better to skip this option and apply directly for the Platinum card.

The National Bank of Egypt’s Titanium Mastercard credit card is an excellent choice for the middle segment seeking a balance between fees and services.

User ratings

Active offer 0% installments
Annual fee EGP 250
Rewards 10% cashback
Effective APR 51.11%
Apple Pay
Details
Updated Sunday 25 October 2026 - 09:30 PM
32 live offers on this card Discount 28 · Zero Interest Installment 4 · Triple Zero 3

Nearest end first · 6 of 32

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Our take 4.0
4.0 Banky rating

Pros

  • High credit limit: The card offers a maximum credit limit of up to EGP 250,000.
  • Longer grace period: The grace period extends up to 57 days on purchases only.
  • The card allows you to pay for purchases in interest-free installments over three months, up to a maximum of EGP 10,000 (once a year).
  • An opportunity for customers with the highest card usage for purchases to win free tickets to UEFA Champions League matches.
  • Monthly draws or prizes for top users include: 1 million loyalty points (equivalent to EGP 10,000), repayment of 50% of the outstanding balance (up to a maximum of EGP 10,000), or travel discount vouchers worth EGP 10,000.
  • Get 10% monthly cashback on online purchase transactions (up to a maximum of EGP 125 per month).
  • Points Program: You earn one point for every pound spent on purchases through the "AlAhli Points" program.
  • Free supplementary card and free SMS subscription

Cons

  • Restricted airport lounge access conditions: Similar to the Titanium tier, a minimum spend equivalent to one US dollar (in any foreign currency) must be made internationally using the card at least 72 hours prior to the visit.
  • Complimentary access is permitted only twice a year after meeting the international spending requirement.
  • Exclusion of e-wallet transactions: Transactions used to top up the Al Ahli Phone Cash wallet are excluded when calculating purchase values ​​for eligibility for monthly prizes or match tickets.
  • If travel vouchers are won but not collected within one month of the recorded call, the prize is automatically forfeited.

Our take

The UEFA Champions League Mastercard is a significant upgrade over traditional Titanium cards if you are seeking a higher credit limit (£250,000) and wish to take advantage of features like an annual interest-free installment plan and cashback on online purchases. However, if you are aiming for unlimited airport lounge access, the card is still subject to Mastercard’s recent restrictions; you would still need a Platinum-tier card or higher to avoid these limitations.

The National Bank of Egypt’s UEFA Champions League Mastercard credit card is specifically designed for football fans and enthusiasts of European tournaments.

User ratings

Annual fee No fee
Rewards Rewards points
Effective APR 66.69%
Details
Updated Thursday 15 October 2026 - 01:05 AM
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Our take 4.0
4.0 Banky rating

Pros

  • Issued without proof of income
  • generous limit of up to EGP 100,000
  • highly accessible for doctors without lengthy paperwork

Cons

  • The maximum credit limit (EGP 100,000) may be insufficient for doctors looking to finance large-scale medical equipment or clinic setup expenses.

Our take

The QNB Doctors Credit Card is a specialized financial solution tailored specifically to meet the daily and professional needs of the medical sector in Egypt. It offers a credit limit of up to EGP 100,000 with minimal documentation and no proof of income required, alongside flexible repayment options and a grace period of up to 57 days on purchases.

A tailored credit card for medical professionals offering up to EGP 100,000 limit with no income proof. Features include installment plans up to 36 months, QNB Life rewards program, and various convenient repayment channels.

User ratings