SAIB Classic Mastercard Credit Card saib bank | EBank Classic Mastercard Credit Card Export Development Bank of Egypt | ADCB Classic Visa Credit Card Abu Dhabi Commercial Bank – Egypt | |
|---|---|---|---|
| Card & limits | |||
| Network | Mastercard | Mastercard | Visa |
| Tier | Classic | Classic | Classic |
| Contactless | Yes | Yes | Yes |
| Apple Pay | No | No | No |
| Google Pay | No | No | No |
| Credit limit | Up to EGP 14,999 | EGP 3,000 – EGP 9,999 | EGP 5,000 – EGP 9,900 |
| Purchase limit abroad (POS) | — | — | EGP 50,000 |
| Cash withdrawal limit abroad | — | — | EGP 2,000 |
| Interest & fees | |||
| Effective annual rate (APR) | 69.59% (4.5% /mo) | 60.1% (4% /mo) Best | 69.59% (4.5% /mo) |
| Nominal APR | 54% | 48% Best | 54% |
| Grace period | 58 days Best | 55 days | 57 days |
| First year free | No | No | No |
| Annual fee | EGP 250 | EGP 100 Best | EGP 350 |
| Fee waivable | No | No | No |
| Issuance fee | EGP 250 Best | — | EGP 350 |
| Late payment fee | EGP 150 | — | — |
| Over-limit fee | EGP 200 | — | — |
| Supplementary card fee/yr | EGP 150 | — | first 4 free |
| Foreign txn fee | 3% Best | — | 5% |
| Min payment (%) | 5% | 5% | 5% |
| Min payment (fixed) | EGP 100 | EGP 100 | EGP 100 |
| Cash advance | |||
| Cash advance APR (effective) | 69.59% (4.5% /mo) | 60.1% (4% /mo) Best | 69.59% (4.5% /mo) |
| Cash advance APR (nominal) | 54% | 48% Best | 54% |
| Domestic cash advance fee | 7% (min EGP 70) | — | EGP 25 |
| Cash advance limit | Up to 100% of the credit limit in cash | — | Up to 100% of the credit limit in cash |
| Cash advance fee abroad | 10% (min EGP 60) | — | — |
| Rewards & benefits | |||
| Lounge access | No | No | No |
| Installments | Yes | Yes | No |
| Travel insurance | No | No | No |
| Purchase protection | No | No | No |
| Cashback | No | No | No |
| Rewards points | Yes | No | No |
| Points per EGP | 0.5 | — | — |
| Installment months | 36 | — | — |
| Eligibility | |||
| Min salary | EGP 5,000 | — | — |
| Min age | — | 21 | 21 |
| Max age | — | 65 | 65 |
| Approved employer | No | Yes | Yes |