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

Active offer 0% installments
Annual fee EGP 150
Rewards Rewards points
Effective APR 51.11%
Apple Pay
Details
Updated Monday 26 October 2026 - 01:42 PM
32 live offers on this card Discount 28 · Zero Interest Installment 4 · Triple Zero 3

Nearest end first · 6 of 32

Banky Analysis

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Our take 2.5
2.5 Banky rating

Pros

  • Generous grace period: The card offers a grace period of up to 55 days on purchases, allowing you to settle your balance without incurring interest.
  • Payment flexibility: You can pay a minimum of just 5% of the total outstanding balance each month.
  • Pay for purchases in installments of up to 12 months, interest-free, at a very wide network of merchants partnered with Al Ahli Bank.
  • Ahly Points

Cons

  • Low credit limit: The card's maximum credit limit is 9,999 EGP, making it unsuitable for large purchases or booking expensive trips and services.
  • The interest rate is 3.50% per month on purchases and cash withdrawals (for both secured cards—backed by certificates or deposits—and unsecured cards).
  • Interest (3.50% monthly) on cash withdrawals from ATMs begins to accrue immediately from the day of the withdrawal; the grace period does not apply.

Our take

The Visa Classic credit card from the National Bank of Egypt (NBE) is an excellent entry-level option for those new to using credit cards—such as young adults or individuals just starting their careers—as well as for anyone looking for a card that helps prevent overspending. It also allows for effective management of installment transactions, fostering financial discipline. With a maximum credit limit of 9,999 EGP, it is an ideal choice if you are concerned about accumulating debt and prefer a lower cap on daily expenses, such as purchases at supermarkets or gas stations.

Visa Classic card is a card designed to meet basic, everyday needs.

User ratings

Active offer 0% installments
Annual fee EGP 150
Rewards Rewards points
Effective APR 51.11%
Apple Pay
Details
Updated Monday 26 October 2026 - 01:45 PM
32 live offers on this card Discount 28 · Zero Interest Installment 4 · Triple Zero 3

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Our take 2.5
2.5 Banky rating

Pros

  • A generous grace period: up to 55 days on purchases only before interest charges begin to accrue.
  • EgyptAir Miles Program: The card's standout feature is the ability to earn flight miles on your daily spending, as it awards you one point/mile for every pound spent.
  • Minimum Repayment: Repayment flexibility starting at just 5% of the total outstanding balance per month.
  • Receive free SMS notifications
  • Low issuance fees: The annual issuance or renewal fee is 150 EGP for the primary card and only 25 EGP for the supplementary card.

Cons

  • Low credit limit: Just like the Classic categories, the card's maximum credit limit is 9,999 pounds.
  • Debit interest rate: 3.50% per month on purchases and cash withdrawals if the outstanding balance is not paid in full within the grace period.
  • Cash withdrawal fees (2%, with a minimum of EGP 10 at National Bank of Egypt ATMs and EGP 20 at local banks).

Our take

If you travel frequently with EgyptAir and are looking for a basic, low-fee credit card to earn extra miles on your small, everyday purchases—such as groceries, fuel, or utility bills—this card would be a smart and practical choice. However, if you are seeking a higher credit limit or perks like complimentary airport lounge access, we recommend opting for a higher-tier card, such as the Mastercard Titanium or Platinum.

The card is excellent if your primary goal is to use it for purchases within Egypt—such as at supermarkets or for paying bills—and to accumulate points and miles (one mile for every Egyptian pound spent), which can then be used to book flights with EgyptAir.

User ratings

Active offer 0% installments
Annual fee EGP 150
Rewards Rewards points
Effective APR 51.11%
Apple Pay
Details
Updated Monday 26 October 2026 - 01:46 PM
32 live offers on this card Discount 28 · Zero Interest Installment 4 · Triple Zero 3

Nearest end first · 6 of 32

Banky Analysis

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Our take 3.5
3.5 Banky rating

Pros

  • The card’s maximum credit limit reaches EGP 49,999, offering you greater flexibility for medium and large purchases compared to lower-tier cards.
  • Free supplementary cards: The card allows you to obtain a supplementary card for free.
  • High cash withdrawal limit: The credit limit available for cash withdrawals is 30,000 EGP per day.
  • International Support Services: Access medical or legal emergency advice while outside Egypt by calling the dedicated Visa cardholder helpline.
  • Free SMS notifications to track spending activity.
  • Installment plans: Option to pay for purchases in installments over periods of up to 12 months interest-free at participating merchants, or via phone with reduced interest rates for up to 36 months.

Cons

  • The Visa Gold card does not offer complimentary airport lounge access.
  • The interest rate is 3.50% per month if the full outstanding balance is not paid within the grace period.

Our take

The Visa Gold card is the best and most balanced choice for employees or professionals seeking a credit limit of around 50,000 EGP—useful for covering emergencies or paying for home appliances in flexible installments. It also includes the benefit of a free supplementary card for a family member, as well as access to advisory services for medical or legal emergencies while you are abroad. However, if you travel internationally frequently, the "Titanium" or "Platinum" tiers might be more attractive options, as they offer additional travel-related benefits.

The Visa Gold card is your best and most cost-effective choice, offering the added benefit of advisory services for medical or legal emergencies while you are outside Egypt.

User ratings

Active offer
Annual fee EGP 350
Rewards Rewards points
Effective APR 55.55%
Details
Updated Saturday 31 October 2026 - 06:22 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

  • Complimentary access to more than 1,200 selected airport lounges, with up to 8 free visits per year, subject to eligibility terms.

Cons

  • Issuance costs are relatively high.

Our take

The Mastercard Platinum Credit Card from Suez Canal Bank offers a well-rounded package of benefits combining everyday payment flexibility with travel privileges. Key features include a grace period of up to 57 days, cash withdrawal of up to 100% of the credit limit, and complimentary airport lounge access for up to 8 visits annually. The card also provides installment and balance transfer options, adding further flexibility for customers who rely on credit cards for their purchases and payments.

A credit card combining everyday payment flexibility with travel benefits, including up to 8 complimentary airport lounge visits annually.

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

Banky Analysis

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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

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

0% installments
Annual fee EGP 100
Rewards None
Effective APR 26.82%
Details
Updated Wednesday 14 October 2026 - 02:37 PM
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Our take

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

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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

Active offer 0% installments
Annual fee EGP 400
Rewards Rewards points
Effective APR 67.46%
Details
Updated Tuesday 27 October 2026 - 11:33 AM
3 live offers on this card Zero Interest Installment 3
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Our take 3.0
3.0 Banky rating

Pros

  • Travel Benefits (Airport Lounges): The card grants you complimentary access to over 10 airport lounges across the Middle East and the Levant.
  • FABMISR Rewards Program: The card allows you to earn points with every purchase and easily redeem them at a wide range of partner merchants.
  • Take advantage of the "Easy Cash" program to obtain cash liquidity of up to 50% of your credit limit, with repayment installments spread over up to 60 months.
  • "Balance transfer" option to pay off debts with other banks in installments over 36 months.
  • Get discounts and "Buy One, Get One Free" offers via the "Priceless Specials Egypt" app, as well as discounts on hotels and travel bookings.
  • Issuance of up to 4 free supplementary cards for first-degree relatives, with "Credit Shield" protection covering the outstanding balance up to EGP 750,000 in the event of death.

Cons

  • Regionally limited travel benefits: Complimentary airport lounge access is restricted to the Middle East and the Levant only, and does not extend to international lounges in Europe or the Americas, for example.
  • The card's maximum limit is 39,999 EGP; if your purchasing power exceeds this or you require a higher credit limit for large purchases, you will need to upgrade to the next tier.

Our take

The Titanium credit card is an ideal choice for middle- and upper-middle-class individuals seeking a card for everyday use with reasonable limits, while also enjoying a touch of "affordable luxury"—such as airport lounge access and "2-for-1" dining and shopping offers.

User ratings

Active offer 0% installments
Annual fee EGP 650
Rewards Rewards points
Effective APR 67.46%
Details
Updated Tuesday 27 October 2026 - 11:33 AM
3 live offers on this card Zero Interest Installment 3
Banky Analysis

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Our take 3.5
3.5 Banky rating

Pros

  • Attractive credit limits: The card offers a very generous credit limit of up to EGP 199,999, enabling better coverage for large purchases and emergencies.
  • "FABMISR Rewards" program: The card allows you to earn points on every purchase, with the option to easily redeem them at a wide range of stores and partners.
  • Complimentary access to over 25 airport lounges across the Middle East and the Levant.
  • "Buy One, Get One Free" offers via the Priceless Specials Egypt app.
  • "Buy One, Get One Free" offers via the Priceless Specials Egypt app.
  • Flexible installment plans of up to 60 months, the "Easy Cash" program providing liquidity of up to 50% of the credit limit, and a balance transfer feature from other banks with repayment in installments over 36 months.
  • The "Credit Shield" program, which covers the outstanding balance up to EGP 750,000 in the event of death.
  • Option to issue up to four free supplementary cards for first-degree relatives.

Cons

  • As with other credit cards, if the full amount due is not paid within the grace period—and you only make the minimum monthly payment (5%)—interest and return rates will be applied to the remaining balance, increasing your financial cost.

Our take

The Platinum Card from First Abu Dhabi Bank Egypt is a well-balanced and highly practical option for individuals and employees seeking purchasing power of up to EGP 200,000.

User ratings

Active offer 0% installments
Annual fee EGP 8,000
Rewards Rewards points
Effective APR 67.46%
Details
Updated Tuesday 27 October 2026 - 11:33 AM
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

  • The card offers attractive credit limits of up to EGP 750,000, providing complete financial freedom for major purchases and international transactions.
  • Premium Concierge Services: Access to a 24/7 global VIP lifestyle concierge service (World Business Concierge) to assist with luxury travel planning, restaurant reservations, and exclusive events.
  • Complimentary access for you and one guest to over 1,000 airport lounges worldwide.
  • Immediate upgrade to DISCOVERY Black-level membership with the Global Hotel Alliance (GHA), including complimentary room upgrades and early check-in/late check-out.
  • A free night's stay at participating Marriott Bonvoy hotels in the Middle East and Africa (upon booking specific nights), and a free third night at Oberoi hotels.
  • Discounts of up to 15% at Hertz and 25% at Avis for car rentals, and price reductions on flight tickets via Cleartrip.
  • Comprehensive insurance against lost luggage or flight delays, accident coverage for rental cars, and rapid issuance of travel insurance letters for visa requirements (Schengen and others).
  • Automatic enrollment in the FABMISR Rewards loyalty program to earn and redeem points at a wide network of merchants.
  • A 20% discount on Careem rides, exclusive offers at nine shopping villages in Europe, and a 100% refund on the cost of a three-month Jumia Prime subscription.
  • "Credit Shield" protection covering the outstanding balance up to EGP 750,000 in the event of death.

Cons

  • As with other cards, if the full outstanding balance is not paid and only the minimum payment (5%) is made, interest and profit rates will apply to the remaining amounts.

Our take

The ultimate card for business professionals and frequent travelers, offering prestige and benefits that exceed its value.

User ratings