AAIB Gold Cashback Visa Credit Card Arab African International Bank | CIB Gold Mastercard Credit Card البنك التجاري الدولي-CIB | |
|---|---|---|
| Card & limits | ||
| Network | Visa | Mastercard |
| Tier | Gold | Gold |
| Contactless | Yes | Yes |
| Apple Pay | Yes | No |
| Google Pay | No | No |
| Credit limit | EGP 3,000 – EGP 25,000 | EGP 1,000 – EGP 20,000 |
| Purchase limit abroad (POS) | EGP 140,000 | — |
| Cash withdrawal limit abroad | EGP 10,000 | — |
| Monthly intl. online limit (from Egypt) | EGP 50,000 | — |
| Interest & fees | ||
| Effective annual rate (APR) | 60.1% (4% /mo) | 59.92% (3.99% /mo) Best |
| Nominal APR | 48% | 47.88% Best |
| Installment interest | 95% | — |
| Grace period | 55 days | 55 days |
| First year free | No | No |
| Annual fee | EGP 300 | EGP 300 |
| Fee waivable | No | No |
| Issuance fee | EGP 300 | EGP 300 |
| Late payment fee | EGP 150 | — |
| Over-limit fee | EGP 150 | — |
| Supplementary card fee/yr | EGP 300 | — |
| Foreign txn fee | 3% | — |
| Min payment (%) | 5% | 5% |
| Min payment (fixed) | EGP 100 | EGP 100 |
| Cash advance | ||
| Cash advance APR (effective) | 60.1% (4% /mo) | — |
| Cash advance APR (nominal) | 48% | — |
| Domestic cash advance fee | 3% (min EGP 40) | EGP 40 |
| Cash advance limit | Up to 90% of the credit limit in cash | — |
| Cash advance fee abroad | 3% (min EGP 50) | EGP 20 |
| Rewards & benefits | ||
| Lounge access | No | No |
| Installments | Yes | Yes |
| Travel insurance | Yes | No |
| Purchase protection | Yes | No |
| Cashback | No | No |
| Rewards points | Yes | Yes |
| Rewards program | برنامج المكافآت | — |
| Points per EGP | 2.5 | — |
| Signup bonus | 2.5 نقطة لكل جنيه | — |
| Installment months | 60 | — |
| Eligibility | ||
| Min salary | EGP 5,000 | — |
| Min monthly income | EGP 5,000 | — |
| Min age | 21 | — |
| Max age | 65 | — |
| Approved employer | No | No |