HDB Classic Mastercard Credit Card Housing and Development Bank | ADCB Platinum Visa Credit Card Abu Dhabi Commercial Bank – Egypt | Banque Misr Platinum Mastercard Credit Card BANQUE MISR | |
|---|---|---|---|
| Card & limits | |||
| Network | Mastercard | Visa | Mastercard |
| Tier | Platinum | Platinum | Platinum |
| Contactless | Yes | Yes | Yes |
| Apple Pay | No | No | No |
| Google Pay | No | No | No |
| Credit limit | EGP 50,000 – EGP 1,000,000 | EGP 30,000 – EGP 500,000 | EGP 25,000 – EGP 100,000 |
| Purchase limit abroad (POS) | EGP 3,500 | EGP 300,000 Best | EGP 300,000 Best |
| Cash withdrawal limit abroad | EGP 30 | EGP 3,000 Best | EGP 3,000 Best |
| Monthly intl. online limit (from Egypt) | — | — | EGP 400,000 |
| Interest & fees | |||
| Effective annual rate (APR) | 60.1% (4% /mo) Best | 64.78% (4.25% /mo) | 60.1% (4% /mo) Best |
| Nominal APR | 48% Best | 51% | 48% Best |
| Grace period | 56 days | 57 days Best | 56 days |
| First year free | No | No | No |
| Annual fee | EGP 500 Best | EGP 650 | EGP 500 Best |
| Fee waivable | No | No | No |
| Issuance fee | EGP 500 Best | EGP 650 | EGP 500 Best |
| Late payment fee | EGP 150 | EGP 0 Best | EGP 75 |
| Over-limit fee | EGP 150 | — | EGP 75 Best |
| Supplementary card fee/yr | EGP 300 (first 2 free) | first 4 free | EGP 300 |
| Foreign txn fee | 4% | 5% | 3% Best |
| Min payment (%) | 5% | 5% | 5% |
| Min payment (fixed) | EGP 100 | EGP 100 | EGP 100 |
| Cash advance | |||
| Cash advance APR (effective) | 60.1% (4% /mo) Best | 64.78% (4.25% /mo) | 60.1% (4% /mo) Best |
| Cash advance APR (nominal) | 48% Best | 51% | 48% Best |
| Domestic cash advance fee | 2% (min EGP 25) | 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 | Up to 100% of the credit limit in cash |
| Cash advance fee abroad | 4% (min EGP 100) | EGP 50 | 3% (min EGP 50) |
| Rewards & benefits | |||
| Lounge access | Yes | Yes | Yes |
| Installments | No | No | Yes |
| Travel insurance | No | No | No |
| Purchase protection | No | Yes | No |
| Cashback | No | No | No |
| Rewards points | Yes | No | Yes |
| Points per EGP | 2 | — | 3 Best |
| Free lounge visits/yr | — | 6 | — |
| Installment months | — | — | 36 |
| Eligibility | |||
| Min salary | EGP 5,000 | — | — |
| Min monthly income | EGP 5,000 | — | — |
| Min age | 21 | 21 | 21 |
| Max age | 65 | 65 | 65 |
| Approved employer | Yes | Yes | Yes |