العربية
0% installments

AAIB Platinum Cashback Visa Credit Card

Arab African International Bank · Credit cards · Egyptian Pound · 4.0 · Friday 31 July 2026 - 01:06 PM

Get the card if: your primary focus is shopping, online purchases, and making large installment payments—both within and outside Egypt—and you require a high credit limit.

Annual fee
EGP 600
Rewards
Rewards points
Effective APR
60.1%

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 want a card that is easy to get
    • Secured by a deposit, so approval is easier

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
  • Annual fee EGP 600
  • Effective APR 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 premium cards in EGP only

Last checked Saturday 01 August 2026 - 11:12 PM

Card & limits

Contactless
Credit limit
EGP 25,000 – EGP 200,000
Purchase limit abroad (POS)
EGP 290,000
Cash withdrawal limit abroad
EGP 10,000
Monthly intl. online limit (from Egypt)
EGP 50,000

Interest & fees

Effective annual rate (APR)
60.1% (4% /mo)
Nominal APR
48%
Installment interest
95%
Grace period
55 days
Annual fee
EGP 600
Fee waivable
No
Issuance fee
EGP 600
Late payment fee
EGP 150
Over-limit fee
EGP 150
Supplementary card fee/yr
EGP 600
Foreign txn fee
3%
Min payment (%)
5%
Min payment (fixed)
EGP 100

Cash advance

Cash advance APR (effective)
60.1% (4% /mo)
Cash advance APR (nominal)
48%
Domestic
Domestic cash advance fee
3% (min EGP 40)
Cash advance limit
Up to 90% of the credit limit in cash
Abroad
Cash advance fee abroad
3% (min EGP 50)

Rewards & benefits

Installments · up to 60 mo Travel insurance Purchase protection
Rewards program
برنامج المكافآت
Points per EGP
2.5
Signup bonus
2.5 نقطةلكل جنيه
Detailed benefits
Other 3
  • رسائل نصية رسائل نصية عند كل عملية شراء أو سحب محلية أو دولية.
  • ملصق للدفع الالكتروني اختر طريقة الدفع اللاتلامسية الأكثر عصرية وملاءمة مع منتجات فيزا الدفع الذكية الآمنة المطوّرة بتكنولوجيا الدفع اللاتلامسية لمزيد من السهولة والأمان في إجراء معاملاتك ومشترياتك اليومية من المحال التجارية دون الحاجة إلى حمل أو إبراز البطاقة الفعلية.
  • تحويل الرصيد خدمة تحويل الرصيد هى خدمة مقدمة من البنك العربى الافريقى الدولى تتيح للأفراد حاملى بطاقات الائتمان الخاصة بالبنك والصادرة بالجنيه المصرى سداد الرصيد المستحق على البطاقات الائتمان الخاصة بك مع البنوك الأخرى الصادرة في مصر من خلال الحد الائتمانى والرصيد المتاح لدى البطاقة الائتمانية الصادرة من البنك العربى الافريقى الدولى. هذه الخدمة متاحة على بطاقات الائتمان المصدرة من فيزا وماستركارد. يتم طلب الخدمة من خلال فروع البنك العربى الافريقى الدولى.
Shopping 1
  • أنظمة التقسيط الميسر تقسيط المشترياتك والسحب النقدي على عدة أشهر بأقل أسعار للفائدة. يمنح برنامج نظام السداد الميسر من البنك العربى الافريقى الدولى الفرصة لجميع حاملي بطاقات الائتمان لتسوية مديوناتهم عن طريق أقساط شهرية تبدأ من ١،٠٠٠ جنيه مصري بأسعار فائدة منخفضة وعلى فترة تتراوح بين ٦ أشهر و٦٠ شهر.
Lifestyle 1
  • برنامج المكافآت اجمع نقاط مكافآت أو استرداد نقدي مع كل عملية شراء تقوم بها من المتاجر أو عبر الإنترنت (دولياً او محلياً) باستخدام بطاقات ائتمان البنك العربى الافريقى الدولى.
Insurance 1
  • الحماية التأمينية برنامج "كريدت شيلد" هو برنامج تأميني يتيح لحاملي البطاقات الائتمانية من البنك العربى الافريقى الدولى المطالبة بضعف الرصيد المستحق على البطاقة الائتمانية، بحد أقصى 500,000 جنيه مصري، وذلك في حالة الوفاة أو العجز الكلي الدائم أو الامراض الخطيرة.

Eligibility

Min salary
EGP 5,000
Min monthly income
EGP 5,000
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
National ID CopyPassport CopyBank Statement (Last 6 Months)Commercial RegisterTax CardRecent Utility Bill
Eligibility criteria
Min supplementary age16
Nationalityboth

Do the maths

AAIB Platinum Cashback Visa Credit Card

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

Enter values to see the result.

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

Our take 4.0

4.0 Banky rating

Pros

  • High international usage limits: The card offers you greater financial flexibility when traveling or making purchases abroad.
  • Flexible installment plans: You can pay for purchases and cash withdrawals in installments over periods ranging from 6 to 60 months at low interest rates.
  • Cash withdrawal capability—whether within or outside Egypt—reaches up to 90% of the card's credit limit.
  • Rewards Points Program: Earn points on every domestic or international purchase and redeem them for shopping vouchers or cashback.
  • "Credit Shield" Insurance Program: Allows for a claim of double the outstanding card balance, up to a maximum of 500,000.

Cons

  • Higher issuance and renewal fees: Compared to Gold cards, the annual fees are higher to reflect the available benefits.
  • The international cash withdrawal limit is low, although the international purchase limit is excellent.
  • Cash withdrawals (whether domestic or international) incur immediate fees, and interest begins to accrue from the very day of the withdrawal (the grace period does not apply).

Our take

Get the card if: your primary focus is shopping, online purchases, and making large installment payments—both within and outside Egypt—and you require a high credit limit.

Compare

Alternatives at a glance
AAIB Platinum Cashback Visa Credit Card Arab African International Bank This oneHDB Royal Mastercard Credit Card Housing and Development Bank AIB Platinum Visa Credit Card ARAB INTERNATIONAL BANK IDB Platinum Mastercard Credit Card The Industrial Development Bank
Annual fee
EGP 600 EGP 500 EGP 600 EGP 600
Rewards
Rewards points Rewards points Rewards points Rewards points
Effective APR
60.1% 60.1% 60.1% 34.49%
Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:55 AM Updated Friday 31 July 2026 - 01:06 PM