NBE World Elite Mastercard Credit Card
The National Bank of Egypt’s Mastercard World Elite credit card is the highest and most exclusive card in the Mastercard range.
- Annual fee
- EGP 8,000
- Rewards
- Rewards points
- Effective APR
- 51.11%
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 carry a balance month to month
- Purchase APR lower than average
Not for you if
- I want to avoid card fees
- Annual fee 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 8,000
- Effective APR 51.11% Below the median of 7 World Elite cards (60.1%)
What it actually costs you
Clearing it in full before the due date, your cost is EGP 8,000 a year — no interest.
What's good
- Interest-free instalments
All of this is measured against elite cards in EGP only
Last checked Saturday 01 August 2026 - 11:12 PM
Card & limits
- Credit limit
- EGP 1,500,000 – EGP 3,000,000
- Purchase limit abroad (POS)
- EGP 500,000
- Cash withdrawal limit abroad
- EGP 11,250
- Monthly intl. online limit (from Egypt)
- EGP 50,000
Interest & fees
- Effective annual rate (APR)
- 51.11% (3.5% /mo)
- Nominal APR
- 42%
- Installment interest
- 95%
- Grace period
- 57 days
- Annual fee
- EGP 8,000
- Fee waivable
- No
- Issuance fee
- EGP 8,000
- Late payment fee
- EGP 75
- Over-limit fee
- EGP 75
- Supplementary card fee/yr
- EGP 1,000
- 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
- 2% (min EGP 20)
- Cash advance limit
- Up to 100% of the credit limit in cash
- Cash advance fee abroad
- 3% (min EGP 100)
Rewards & benefits
- Rewards program
- نقاط الأهلي للمكافات
- Points per EGP
- 2
- Points expiry
- 12 mo
- Signup bonus
- نقطة لكل جنيه
- التسوق العروض الأخرى كمزايا التسوق و عروض لدي بعض شركات تأجير السيارات، و لمعرفة كافة العروض المقدمة: Mastercard
- خصومات تذاكر السفر استمتع بخصومات حصرية على تذاكر الطيران الدولية وحجوزات الفنادق عند الحجز من خلال موقع أو تطبيق Cleartrip
- دخول صالات المطارات تمتع بالاسترخاء قبل السفر بدخول مجاني غير محدود لعدد من الصالات المختارة في المطارات حول العالم، ولمزيد من التفاصيل يمكنك زيارة الموقع الالكتروني لهيئة ماستركارد او من خلال تطبيق الهاتف المحمول (MasterCard Travel Pass)
- عروض الفنادق مزايا لدى العديد من الفنادق الشهيرة بالإضافة الي العروض المقدمة بالنوادي الصحية ببعض الفنادق حول العالم
- برنامج نقاط الأهلي للمكافات الحصول على 2 نقطه لكل جنيه يتم استخدامه في المشتريات
- مزايا اضافية الحصول على أسورة الدفع الالكترونية التي تعد وسيلة عصرية للدفع الالكتروني اللا تلامسي
Eligibility
- Min age
- 21
- Max age
- 65
- Approved employer
- No
- Accepted employment types
- EmployedGovernmentSelf-EmployedFreelancerMilitary
- Accepted professions
- any profession
- Accepted security types
- Salary TransferWithout Salary TransferSavings Vessel (Certificate / Deposit)Credit Card-BackedCommercial Register & Tax Card
- Required documents
- National ID CopyPassport CopyBank Statement (Last 3 Months)Bank Statement (Last 6 Months)Tax CardCommercial RegisterRecent Utility Bill
| Min supplementary age | 15 |
| Nationality | both |
Do the maths
Our take
Pros
- High credit limit: The card offers you the highest possible credit limit, reaching up to EGP 3,000,000.
- Highest point accumulation rate (Al Ahli Points): The card awards you 2 points for every pound spent on purchases.
- Unlimited complimentary access to premium airport lounges worldwide via the MasterCard Travel Pass app.
- The cardholder may bring one guest free of charge on each visit.
- Exclusive discounts on international flight tickets and hotel bookings via Cleartrip.
- Special upgrade benefits and offers at numerous renowned hotels and spas worldwide, in addition to exclusive offers for car rentals and luxury shopping.
- The option to obtain a contactless electronic payment wristband linked to the card to facilitate quick transactions.
Cons
- International Lounge Spending Requirement: To activate the unlimited access and complimentary guest privileges, Mastercard requires a minimum spend equivalent to one US dollar—whether through international transactions outside Egypt or online purchases—in any foreign currency.
- High issuance fees
Our take
The Mastercard World Elite card is a symbol of luxury and financial stature. If you are a high-net-worth individual with significant spending and transaction volumes who frequently travels with family or a partner, this card is indisputably the best choice in the Egyptian market. Benefits such as double points (2 points per EGP) and unlimited lounge access—for both you and a guest—easily offset the annual fee, provided you remember to make a small international purchase (even just one dollar) before traveling to activate these perks.
The National Bank of Egypt’s Mastercard World Elite credit card is the highest and most exclusive card in the Mastercard range.
Compare
| NBE World Elite Mastercard Credit Card National Bank of Egypt This one | World Elite Credit Card BANQUE MISR | AAIB World Elite Mastercard Credit Card Arab African International Bank | IDB World Elite Mastercard Credit Card The Industrial Development Bank |
|---|---|---|---|
| Annual fee | |||
| EGP 8,000 | EGP 8,000 | EGP 6,000 | EGP 8,000 |
| Rewards | |||
| Rewards points | Rewards points | Rewards points | Rewards points |
| Effective APR | |||
| 51.11% | 60.1% | 60.1% | 34.49% |
Added Thursday 02 July 2026 - 01:55 AM Updated Friday 31 July 2026 - 01:06 PM