0% installments
FAB Classic Mastercard Credit Card
A very smart and practical card for daily use and lifestyle needs, but not for large purchases.
- Annual fee
- EGP 600
- Rewards
- Rewards points
- Effective APR
- 67.46%
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 want a card that is easy to get
- Secured by a deposit, so approval is easier
Not for you if
- I pay my card off in full
- Annual fee higher than average
- 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
- Annual fee EGP 600 Above the median of 39 Classic cards (EGP 200)
- Effective APR 67.46% 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 600 a year — no interest.
What's good
- Interest-free instalments
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
- EGP 5,000 – EGP 39,999
- Purchase limit abroad (POS)
- EGP 4,000
- Cash withdrawal limit abroad
- EGP 100
- Monthly intl. online limit (from Egypt)
- EGP 30,000
Interest & fees
- Effective annual rate (APR)
- 67.46% (4.39% /mo)
- Nominal APR
- 52.68%
- Installment interest
- 4.39%
- Grace period
- 55 days
- Annual fee
- EGP 600
- Fee waivable
- No
- Issuance fee
- EGP 600
- Late payment fee
- EGP 250
- Over-limit fee
- EGP 200
- Supplementary card fee/yr
- EGP 600 (first 4 free)
- Foreign txn fee
- 3%
- Min payment (%)
- 5%
- Min payment (fixed)
- EGP 100
Cash advance
- Cash advance APR (effective)
- 67.46% (4.39% /mo)
- Cash advance APR (nominal)
- 52.68%
- Domestic cash advance fee
- 8% (min EGP 80)
- Cash advance limit
- Up to 100% of the credit limit in cash
- Cash advance fee abroad
- 10% (min EGP 100)
Domestic
Abroad
Rewards & benefits
Lounge access · 10/yr Installments · up to 60 mo Travel insurance
- Rewards program
- مكافآت أبوظبي الأول
- Points per EGP
- 1
- Signup bonus
- نقطة لكل جنيه
- المرونة المالية احصل على برنامج إيزي كاش حتى 50٪ من حدك الائتماني باستخدام بطاقتك الائتمانية من بنك أبوظبي الأول مصر وسددها على أقساط تصل إلى 60 شهرًا
- الامان تسوق عبر الإنترنت بأمان حيث أن البطاقة مدعومة بخدمة 3D Secure. سيُطلب منك إدخال كلمة المرور لمرة واحدة (OTP) التي يتم إرسالها إلى رقم هاتفك المحمول المسجل عند إجراء معاملة تجارية عبر الإنترنت.
- بطاقات اضافية مجانية احصل على ما يصل إلى أربع بطاقات ائتمان إضافية مجانية.
- تقسيط حد أدنى للسداد 5% من رصيد كشف الحساب الشهري
- برنامج مكافآت بنك أبوظبي الأول مصر استمتع ببرنامج المكافآت "مكافآت بنك أبوظبي الأول مصر" "FABMISR Rewards" وهو برنامج فريد يوفر لحاملي بطاقات الائتمان من بنك أبوظبي الأول مصر فرصة لكسب مكافآت مقابل إنفاقهم على بطاقات الائتمان. سوف تكسب المكافآت على شكل نقاط يمكن استبدالها بسهولة لدى مجموعة كبيرة من التجار.
- مزايا وامتيازات فريدة تمتع بمزايا وامتيازات فريدة، وعروض حصرية تشمل خصومات على الفنادق، وحجوزات السفر، بالإضافة إلى عروض "اشترِ واحدة واحصل على الأخرى مجاناً" عبر تطبيق Priceless Specials Egypt.
- برنامج الدرع الائتماني يغطي برنامج الدرع الائتماني من بنك أبوظبي الأول مصر رصيدك المستحق حتى 750,000 جنيه مصري في حالة الوفاة
- دخول صالات المطارات الإستفادة من الدخول إلى أكثر من 10 صالات مطار في الشرق الأوسط والمشرق العربي
- خصومات عروض وخصومات لا حصر لها ومن ضمنها عروض "اشترِ واحدة واحصل على الأخرى مجانًا"، وخصومات على حجوزات السفر والفنادق والمزيد
Detailed benefits
Other 4
Lifestyle 2
Insurance 1
Travel 1
Shopping 1
Eligibility
- Min age
- 21
- Max age
- 65
- Approved employer
- No
- Accepted employment types
- EmployedGovernmentMilitarySelf-EmployedFreelancer
- Accepted professions
- any profession
- Accepted security types
- Salary TransferWithout Salary TransferSavings Vessel (Certificate / Deposit)Credit Card-BackedCommercial Register & Tax Card
- Required documents
- Bank Statement (Last 3 Months)Passport CopyCommercial RegisterTax Card
Eligibility criteria
| Min supplementary age | 16 |
| Nationality | both |
Do the maths
Our take
Pros
- Complimentary access to over 10 airport lounges across the Middle East and the Levant.
- Exclusive offers featuring discounts on hotels and travel bookings, as well as "Buy One, Get One Free" deals via the Priceless Specials Egypt app.
- Dedicated Rewards Program: The card automatically enrolls you in the FABMISR Rewards loyalty program, allowing you to accumulate points on purchases and easily redeem them at a wide network of merchants.
- The Easy Cash program allows you to obtain cash liquidity of up to 50% of your credit limit and repay it in installments over 60 months.
- A balance transfer feature to settle your outstanding dues with other banks using the Shine card, with the option to pay the amount in installments over 36 months.
- Provision of the "Credit Shield" feature, which covers the outstanding balance up to EGP 750,000 in the event of death.
- Issuance of up to 4 additional credit cards free of charge for immediate family members.
Cons
- Low credit limit: The card's credit limit starts at EGP 5,000 and goes up to a maximum of EGP 39,999.
- As with any credit card, you are required to pay a minimum of 5% of the account balance each month; if the full amount is not paid after the 55-day period, interest will be charged on the outstanding balance, thereby increasing the financial cost.
Our take
A very smart and practical card for daily use and lifestyle needs, but not for large purchases.
Compare
| FAB Classic Mastercard Credit Card FABMISR This one | FAB Classic Mastercard Credit Card FABMISR | HSBC Classic Cashback Visa Credit Card HSBC EGYPT | QNB Classic Visa Credit Card QNB EGYPT |
|---|---|---|---|
| Annual fee | |||
| EGP 600 | EGP 250 | No fee | EGP 3,000 |
| Rewards | |||
| Rewards points | Rewards points | Cashback | Rewards points |
| Effective APR | |||
| 67.46% | 67.46% | 68.04% | 66.69% |
Added Thursday 02 July 2026 - 01:55 AM Updated Friday 31 July 2026 - 01:06 PM