العربية

SAIB Classic Mastercard Credit Card

saib bank · Credit cards · Egyptian Pound · Thursday 06 August 2026 - 12:40 PM

A practical entry-level credit card with rewards, travel perks, and flexible repayment options.**

Annual fee
EGP 250
Rewards
Rewards points
Effective APR
69.59%

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

Not for you if

  • I carry a balance month to month
    • Purchase APR higher than average
  • I want to avoid card fees
    • Annual fee higher than average
  • I want the most cashback

Not yet evaluated for: I want a card that is easy to get

  • Annual fee EGP 250 Above the median of 39 Classic cards (EGP 200)
  • Effective APR 69.59% Above 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 250 a year — no interest.

Not known yet

1 more detail we don't have yet

All of this is measured against entry-level cards in EGP only

Last checked Saturday 01 August 2026 - 11:12 PM

Card & limits

Contactless
Credit limit
Up to EGP 14,999

Interest & fees

Effective annual rate (APR)
69.59% (4.5% /mo)
Nominal APR
54%
Grace period
58 days
Annual fee
EGP 250
Fee waivable
No
Issuance fee
EGP 250
Late payment fee
EGP 150
Over-limit fee
EGP 200
Supplementary card fee/yr
EGP 150
Foreign txn fee
3%
Min payment (%)
5%
Min payment (fixed)
EGP 100

Cash advance

Cash advance APR (effective)
69.59% (4.5% /mo)
Cash advance APR (nominal)
54%
Domestic
Domestic cash advance fee
7% (min EGP 70)
Cash advance limit
Up to 100% of the credit limit in cash
Abroad
Cash advance fee abroad
10% (min EGP 60)

Rewards & benefits

Installments · up to 36 mo
Points per EGP
0.5
Detailed benefits
Shopping 2
  • إمكانية تقسيط للمعاملات
  • خصومات في مجموعة متنوعة من المتاجر المختارة
Lifestyle 3
  • الحد الأدنى لسداد المديونية 5% من الرصيد المدين
  • إمكانية استخدام البطاقة في تنفيذ المعاملات لدى ﻛﺎفة الجهات المتاح لديها نقاط بيع شبكة ميزة (مثل: الجهات الح… إمكانية استخدام البطاقة في تنفيذ المعاملات لدى ﻛﺎفة الجهات المتاح لديها نقاط بيع شبكة ميزة (مثل: الجهات الحكومية)
  • يتم اضافة 0.50 نقطة لكل 1 جنيه مصري يتم دفعه بالبطاقة ثم استبدال النقاط بعمليات شرائية عبر تطبيق Pay with R… يتم اضافة 0.50 نقطة لكل 1 جنيه مصري يتم دفعه بالبطاقة ثم استبدال النقاط بعمليات شرائية عبر تطبيق Pay with Rewards

Eligibility

Min salary
EGP 5,000
Approved employer
No
Accepted professions
any profession
Eligibility criteria
Min supplementary age18
Nationalityegyptian

Do the maths

SAIB Classic Mastercard Credit Card

Find the card tiers you qualify for and an estimated credit limit.

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Results are estimates for guidance only and may differ from a bank's actual offer.

Our take

Our take

The SAIB Classic Credit Card is a suitable entry-level card for everyday spending, offering up to 58 days grace period, reward points, and essential travel benefits.

A practical entry-level credit card with rewards, travel perks, and flexible repayment options.**

Compare

Alternatives at a glance
SAIB Classic Mastercard Credit Card saib bank This oneEBank Classic Mastercard Credit Card Export Development Bank of Egypt ADCB Classic Visa Credit Card Abu Dhabi Commercial Bank – Egypt HDB Classic Mastercard Credit Card Housing and Development Bank
Annual fee
EGP 250 EGP 100 EGP 350 EGP 200
Rewards
Rewards points None None Rewards points
Effective APR
69.59% 60.1% 69.59% 60.1%
Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:54 AM Updated Thursday 06 August 2026 - 12:40 PM