Compare Credit cards

	SAIB Classic Mastercard Credit Card saib bank	EBank Classic Mastercard Credit Card Export Development Bank of Egypt	HDB Classic Mastercard Credit Card Housing and Development Bank
Card & limits
Network	Mastercard	Mastercard	Mastercard
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 9,999
Purchase limit abroad (POS)	—	—	EGP 200
Cash withdrawal limit abroad	—	—	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	60.1% (4% /mo) Best
Nominal APR	54%	48% Best	48% Best
Grace period	58 days Best	55 days	56 days
First year free	No	No	No
Annual fee	EGP 250	EGP 100 Best	EGP 200
Fee waivable	No	No	No
Issuance fee	EGP 250	—	EGP 200 Best
Late payment fee	EGP 150	—	EGP 150
Over-limit fee	EGP 200	—	EGP 150 Best
Supplementary card fee/yr	EGP 150	—	EGP 100 (first 4 free)
Foreign txn fee	3% Best	—	4%
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	60.1% (4% /mo) Best
Cash advance APR (nominal)	54%	48% Best	48% Best
Domestic cash advance fee	7% (min EGP 70)	—	2% (min EGP 25) Best
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)	—	4% (min EGP 100) Best
Rewards & benefits
Lounge access	No	No	Yes
Installments	Yes	Yes	Yes
Travel insurance	No	No	No
Purchase protection	No	No	No
Cashback	No	No	No
Rewards points	Yes	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
Max age	—	65	65
Approved employer	No	Yes	Yes

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