Visa Classic
بطاقة فيزا كلاسيك هي بمثابة بطاقة تستخدم لتلبية الاحتياجات الأساسية واليومية.
- Annual fee
- EGP 150
- Rewards
- Rewards points
- Effective APR
- 51.11%
Banky Analysis
Evaluated per usage pattern
A card's value depends on how you use it, so no single rating is honest for everyone
Suits you if
- I pay my card off in full
- Has a rewards programme
- I carry a balance month to month
- Purchase APR lower than average
- I want to avoid card fees
- Annual fee lower than average
- I want a card that is easy to get
- Minimum credit limit lower than average
Not for you if
- I want the most cashback
- Annual fee EGP 150 Below the median of 39 Classic cards (EGP 200)
- Effective APR 51.11% Below the median of 35 Classic cards (60.1%)
What it actually costs you
Clearing it in full before the due date, your cost is EGP 150 a year — no interest.
All of this is measured against entry-level cards in EGP only
Last checked Saturday 01 August 2026 - 11:12 PM
Card & limits
Contactless Apple Pay
- Credit limit
- EGP 1 – EGP 9,999
- Purchase limit abroad (POS)
- EGP 50,000
- Cash withdrawal limit abroad
- EGP 3,750
- Monthly intl. online limit (from Egypt)
- EGP 100,000
Interest & fees
- Effective annual rate (APR)
- 51.11% (3.5% /mo)
- Nominal APR
- 42%
- Installment interest
- 3.5%
- Grace period
- 55 days
- Annual fee
- EGP 150
- Fee waivable
- No
- Issuance fee
- EGP 150
- Late payment fee
- EGP 75
- Over-limit fee
- EGP 75
- Supplementary card fee/yr
- EGP 25
- Foreign txn fee
- 3%
- Min payment (%)
- 5%
- Min payment (fixed)
- EGP 100
Cash advance
- Cash advance APR (effective)
- 51.11% (3.5% /mo)
- Cash advance APR (nominal)
- 42%
- Domestic cash advance fee
- EGP 5
- Cash advance limit
- Up to 100% of the credit limit in cash
Domestic
Rewards & benefits
Installments · up to 36 mo Purchase protection
- Rewards program
- نقاط الأهلي للمكافات
- Points per EGP
- 1
- Signup bonus
- نقطة لكل جنيه
- برنامج نقاط البنك الأهلي الحصول على نقطة لكل جنيه يتم استخدامه في المشتريات
- الأهلي فون خدمة العملاء واجابة جميع استفساراتهم من خلال خدمة الأهلي فون 19623 محليا و 0020219623 على الصعيد الدولي
- الأمان التسوق الامن عبر الأنترنت من خلال خدمة الكود الامن للشراء ( OTP )
- المرونة استخدام البطاقة محليا ودوليا في المشتريات والسحب النقدى.
Detailed benefits
Lifestyle 1
Other 1
Shopping 2
Eligibility
- Min salary
- EGP 0
- Min monthly income
- EGP 0
- Min age
- 21
- Max age
- 65
- Approved employer
- No
- Accepted employment types
- Employed
- Accepted professions
- any profession
- Required documents
- National ID CopyPassport CopyBank Statement (Last 6 Months)Recent Salary CertificateTax CardCommercial RegisterRecent Utility Bill
Eligibility criteria
| Min supplementary age | 16 |
| Nationality | both |
Do the maths
Our take
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.
Compare
| Visa Classic National Bank of Egypt This one | Standard Mastercard National Bank of Egypt | SCB Classic Visa Credit Card SUEZ CANAL BANK | CAE Classic Visa Credit Card Credit Agricole Egypt |
|---|---|---|---|
| Annual fee | |||
| EGP 150 | EGP 150 | EGP 750 | EGP 3,000 |
| Rewards | |||
| Rewards points | Rewards points | None | None |
| Effective APR | |||
| 51.11% | 51.11% | — | 26.82% |
Added Wednesday 01 July 2026 - 08:22 AM Updated Friday 31 July 2026 - 01:06 PM