العربية

AIB Gold Visa Credit Card

ARAB INTERNATIONAL BANK · Credit cards · Egyptian Pound · 3.0 · Wednesday 05 August 2026 - 01:26 PM
Annual fee
EGP 300
Rewards
None
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 want a card that is easy to get
    • Minimum credit limit higher than average

Not for you if

  • I pay my card off in full
  • 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 300
  • Effective APR 60.1%
What it actually costs you

Clearing it in full before the due date, your cost is EGP 300 a year — no interest.

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 200,000
Purchase limit abroad (POS)
EGP 100,000
Cash withdrawal limit abroad
EGP 8,000

Interest & fees

Effective annual rate (APR)
60.1% (4% /mo)
Nominal APR
48%
Grace period
56 days
Annual fee
EGP 300
Fee waivable
No
Issuance fee
EGP 300
Foreign txn fee
5%
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
EGP 50
Abroad
Cash advance fee abroad
EGP 50

Rewards & benefits

Detailed benefits
Travel 1
  • مزايا تأمينية للبطاقة الذهبية أثناء السفر بالخارج وتشمل حالات تأخر الحقائب أو التعرض للحوادث أو الأمراض الى… مزايا تأمينية للبطاقة الذهبية أثناء السفر بالخارج وتشمل حالات تأخر الحقائب أو التعرض للحوادث أو الأمراض الى ماغير ذلك من مزايا
Lifestyle 1
  • خدمة SMS مجاناً

Eligibility

Approved employer
No
Accepted employment types
Employed
Accepted professions
any profession
Required documents
National ID CopySalary Slip (Last 3 Months)Recent Utility Bill

Do the maths

AIB Gold 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 3.0

3.0 Banky rating

Pros

  • Credit limit ranging from EGP 5,000 to EGP 200,000.
  • Graceful period on purchases up to 56 days.
  • Affordable issuance and renewal fees (EGP 300 for the primary card).
  • Travel insurance covering baggage delays, accidents, and certain medical conditions subject to program terms and conditions.
  • Free SMS notifications.
  • Smart chip providing a high level of protection against fraud.
  • Useable locally and internationally via the Visa network.

Cons

  • The monthly interest rate is 4%, which is high if the balance is not fully repaid.
  • Cash withdrawal fees are high (4% locally and 5% internationally).
  • Airport lounge access and premium travel programs available with Platinum and Infinite cards are not included.
  • The maximum credit limit is lower compared to higher-tier cards.

Our take

The Arab International Bank Visa Gold card is a good option for customers looking for a card that combines relatively low fees, a flexible credit limit, and benefits such as travel insurance and free SMS service. However, it lacks luxury travel perks like airport lounge access, and the interest and cash withdrawal fees are relatively high.

Compare

Alternatives at a glance
AIB Gold Visa Credit Card ARAB INTERNATIONAL BANK This oneAAIB Gold Cashback Visa Credit Card Arab African International Bank Arab Bank Gold Visa Credit Card arab bank egypt CIB Gold Mastercard Credit Card البنك التجاري الدولي-CIB
Annual fee
EGP 300 EGP 300 EGP 150 EGP 300
Rewards
None Rewards points None Rewards points
Effective APR
60.1% 60.1% 34.33% 59.92%
Compare with 3 similar credit cards

Added Thursday 02 July 2026 - 01:55 AM Updated Wednesday 05 August 2026 - 01:26 PM