HDB Classic Mastercard Credit Card
A premium credit card offering high credit limits, travel privileges, and rewarding benefits, making it ideal for high-spending customers.
- Annual fee
- EGP 500
- Rewards
- Rewards points
- Effective APR
- 60.1%
Banky Analysis
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 want to avoid card fees
- Annual fee higher than average
Not for you if
- I carry a balance month to month
- Purchase APR higher than average
- I want a card that is easy to get
- Minimum credit limit higher than average
- I want the most cashback
- Annual fee EGP 500 Below the median of 35 Platinum cards (EGP 600)
- Effective APR 60.1%
What it actually costs you
Clearing it in full before the due date, your cost is EGP 500 a year — no interest.
All of this is measured against premium cards in EGP only
Last checked Saturday 01 August 2026 - 11:12 PM
Card & limits
- Credit limit
- EGP 50,000 – EGP 1,000,000
- Purchase limit abroad (POS)
- EGP 3,500
- Cash withdrawal limit abroad
- EGP 30
Interest & fees
- Effective annual rate (APR)
- 60.1% (4% /mo)
- Nominal APR
- 48%
- Grace period
- 56 days
- Annual fee
- EGP 500
- Fee waivable
- No
- Issuance fee
- EGP 500
- Late payment fee
- EGP 150
- Over-limit fee
- EGP 150
- Supplementary card fee/yr
- EGP 300 (first 2 free)
- Foreign txn fee
- 4%
- Min payment (%)
- 5%
- Min payment (fixed)
- EGP 100
Cash advance
- Cash advance APR (effective)
- 60.1% (4% /mo)
- Cash advance APR (nominal)
- 48%
- Domestic cash advance fee
- 2% (min EGP 25)
- Cash advance limit
- Up to 100% of the credit limit in cash
- Cash advance fee abroad
- 4% (min EGP 100)
Rewards & benefits
- Points per EGP
- 2
- رسالة نصية مجانية بعد كل معاملة سحب او شراء واخري لتذكير بميعاد السداد
- تصدر البطاقة الائتمانية بتقنية "Contactless"اللاتلامسية لتجعل معاملات الدفع أسهل وأسرع عند ماكينات نقاط الب… تصدر البطاقة الائتمانية بتقنية "Contactless"اللاتلامسية لتجعل معاملات الدفع أسهل وأسرع عند ماكينات نقاط البيع وماكينات السحب
- يمكن اصدار البطاقة الائتمانية بضمان شخصي (ودائع – شهادات ادخارية) او بدون ضمان نقدي عن طريق برامج ائتمانية… يمكن اصدار البطاقة الائتمانية بضمان شخصي (ودائع – شهادات ادخارية) او بدون ضمان نقدي عن طريق برامج ائتمانية متعددة
Eligibility
- Min salary
- EGP 5,000
- Min monthly income
- EGP 5,000
- Min age
- 21
- Max age
- 65
- Approved employer
- Yes
- Accepted professions
- any profession
- Required documents
- Bank Statement (Last 3 Months)National ID Copy
| Min supplementary age | 18 |
| Nationality | egyptian |
Do the maths
Our take
Our take
The Housing & Development Bank Mastercard Platinum Credit Card is tailored for customers with high credit needs, offering a credit limit ranging from EGP 50,000 up to EGP 1 million. The card combines flexible repayment options, installment plans of up to 36 months, and a range of travel and rewards benefits. Cardholders can enjoy airport lounge access through Mastercard Travel Pass, free life insurance coverage, and a rewards program that offers cashback redemption of up to 2% on purchases. In addition, the card provides advanced security features for safer local and international transactions.
A premium credit card offering high credit limits, travel privileges, and rewarding benefits, making it ideal for high-spending customers.
Compare
| HDB Classic Mastercard Credit Card Housing and Development Bank This one | EBank Platinum Mastercard Credit Card Export Development Bank of Egypt | ADCB Platinum Visa Credit Card Abu Dhabi Commercial Bank – Egypt | Banque Misr Platinum Mastercard Credit Card BANQUE MISR |
|---|---|---|---|
| Annual fee | |||
| EGP 500 | EGP 200 | EGP 650 | EGP 500 |
| Rewards | |||
| Rewards points | None | None | Rewards points |
| Effective APR | |||
| 60.1% | 60.1% | 64.78% | 60.1% |
Added Thursday 02 July 2026 - 01:54 AM Updated Thursday 06 August 2026 - 03:40 PM