ADCB Gold Visa Credit Card Abu Dhabi Commercial Bank – Egypt | Banque Misr Gold Mastercard Credit Card BANQUE MISR | |
|---|---|---|
| Card & limits | ||
| Network | Visa | Mastercard |
| Tier | Gold | Gold |
| Contactless | Yes | Yes |
| Apple Pay | No | No |
| Google Pay | No | No |
| Credit limit | EGP 10,000 – EGP 29,900 | EGP 3,000 – EGP 10,000 |
| Purchase limit abroad (POS) | EGP 75,000 Best | EGP 40,000 |
| Cash withdrawal limit abroad | EGP 3,000 | EGP 3,000 |
| Monthly intl. online limit (from Egypt) | — | EGP 40,000 |
| Interest & fees | ||
| Effective annual rate (APR) | 69.59% (4.5% /mo) | 60.1% (4% /mo) Best |
| Nominal APR | 54% | 48% Best |
| Grace period | 57 days Best | 56 days |
| First year free | No | No |
| Annual fee | EGP 400 | EGP 250 Best |
| Fee waivable | No | No |
| Issuance fee | EGP 400 | EGP 250 Best |
| Late payment fee | — | EGP 75 |
| Over-limit fee | — | EGP 75 |
| Supplementary card fee/yr | first 4 free | EGP 150 |
| Foreign txn fee | 5% | 3% Best |
| Min payment (%) | 5% | 5% |
| Min payment (fixed) | EGP 100 | EGP 100 |
| Cash advance | ||
| Cash advance APR (effective) | 69.59% (4.5% /mo) | 60.1% (4% /mo) Best |
| Cash advance APR (nominal) | 54% | 48% Best |
| Domestic cash advance fee | EGP 25 | 2% (min EGP 15) |
| 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 | — | 3% (min EGP 50) |
| Rewards & benefits | ||
| Lounge access | No | No |
| Installments | No | No |
| Travel insurance | No | No |
| Purchase protection | No | No |
| Cashback | No | No |
| Rewards points | No | Yes |
| Points per EGP | — | 2 |
| Eligibility | ||
| Min monthly income | — | EGP 5,000 |
| Min age | 21 | 21 |
| Max age | 65 | 65 |
| Approved employer | Yes | Yes |