ADCB Gold Visa Credit Card Abu Dhabi Commercial Bank – Egypt | Banque Misr Gold Mastercard Credit Card BANQUE MISR | EALB Gold Mastercard Credit Card Egyptian Arab Land Bank | |
|---|---|---|---|
| Card & limits | |||
| Network | Visa | Mastercard | Mastercard |
| Tier | Gold | Gold | Gold |
| Contactless | Yes | Yes | Yes |
| Apple Pay | No | No | No |
| Google Pay | No | 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) | 20.98% (1.6% /mo) Best |
| Nominal APR | 54% | 48% | 19.2% Best |
| Grace period | 57 days Best | 56 days | 56 days |
| First year free | No | No | No |
| Annual fee | EGP 400 | EGP 250 | EGP 50 Best |
| Fee waivable | No | 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% | 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 | — |
| Cash advance APR (nominal) | 54% | 48% Best | — |
| Domestic cash advance fee | EGP 25 | 2% (min EGP 15) | EGP 20 |
| 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 | No |
| Installments | No | No | No |
| Travel insurance | No | No | No |
| Purchase protection | No | No | No |
| Cashback | No | No | No |
| Rewards points | No | Yes | No |
| Points per EGP | — | 2 | — |
| Eligibility | |||
| Min monthly income | — | EGP 5,000 | — |
| Min age | 21 | 21 | — |
| Max age | 65 | 65 | — |
| Approved employer | Yes | Yes | No |