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 | HDB Classic Mastercard Credit Card Housing and Development Bank | |
|---|---|---|---|---|
| Card & limits | ||||
| Network | Mastercard | Mastercard | Visa | Mastercard |
| Tier | Classic | Classic | Classic | Classic |
| Contactless | Yes | Yes | Yes | Yes |
| Apple Pay | No | No | No | No |
| Google Pay | No | No | No | No |
| Credit limit | Up to EGP 14,999 | EGP 3,000 – EGP 9,999 | EGP 5,000 – EGP 9,900 | EGP 5,000 – EGP 9,999 |
| Purchase limit abroad (POS) | — | — | EGP 50,000 Best | EGP 200 |
| Cash withdrawal limit abroad | — | — | EGP 2,000 Best | EGP 30 |
| Monthly intl. online limit (from Egypt) | — | — | — | EGP 9,999 |
| Interest & fees | ||||
| Effective annual rate (APR) | 69.59% (4.5% /mo) | 60.1% (4% /mo) Best | 69.59% (4.5% /mo) | 60.1% (4% /mo) Best |
| Nominal APR | 54% | 48% Best | 54% | 48% Best |
| Grace period | 58 days Best | 55 days | 57 days | 56 days |
| First year free | No | No | No | No |
| Annual fee | EGP 250 | EGP 100 Best | EGP 350 | EGP 200 |
| Fee waivable | No | No | No | No |
| Issuance fee | EGP 250 | — | EGP 350 | EGP 200 Best |
| Late payment fee | EGP 150 | — | — | EGP 150 |
| Over-limit fee | EGP 200 | — | — | EGP 150 Best |
| Supplementary card fee/yr | EGP 150 | — | first 4 free | EGP 100 (first 4 free) |
| Foreign txn fee | 3% Best | — | 5% | 4% |
| Min payment (%) | 5% | 5% | 5% | 5% |
| Min payment (fixed) | EGP 100 | 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) | 60.1% (4% /mo) Best |
| Cash advance APR (nominal) | 54% | 48% Best | 54% | 48% Best |
| Domestic cash advance fee | 7% (min EGP 70) | — | EGP 25 | 2% (min EGP 25) |
| Cash advance limit | Up to 100% of the credit limit in cash | — | 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) | — | — | 4% (min EGP 100) Best |
| Rewards & benefits | ||||
| Lounge access | No | No | No | Yes |
| Installments | Yes | Yes | No | Yes |
| Travel insurance | No | No | No | No |
| Purchase protection | No | No | No | No |
| Cashback | No | No | No | No |
| Rewards points | Yes | No | No | Yes |
| Points per EGP | 0.5 | — | — | 1 Best |
| Installment months | 36 | — | — | 36 |
| Eligibility | ||||
| Min salary | EGP 5,000 | — | — | EGP 5,000 |
| Min monthly income | — | — | — | EGP 5,000 |
| Min age | — | 21 | 21 | 21 |
| Max age | — | 65 | 65 | 65 |
| Approved employer | No | Yes | Yes | Yes |