AIB Gold Visa Credit Card ARAB INTERNATIONAL BANK | AAIB Gold Cashback Visa Credit Card Arab African International Bank | Arab Bank Gold Visa Credit Card arab bank egypt | CIB Gold Mastercard Credit Card البنك التجاري الدولي-CIB | |
|---|---|---|---|---|
| Card & limits | ||||
| Network | Visa | Visa | Visa | Mastercard |
| Tier | Gold | Gold | Gold | Gold |
| Contactless | Yes | Yes | Yes | Yes |
| Apple Pay | No | Yes | No | No |
| Google Pay | No | No | No | No |
| Credit limit | EGP 5,000 – EGP 200,000 | EGP 3,000 – EGP 25,000 | EGP 3,000 – EGP 9,999 | EGP 1,000 – EGP 20,000 |
| Purchase limit abroad (POS) | EGP 100,000 | EGP 140,000 Best | — | — |
| Cash withdrawal limit abroad | EGP 8,000 | EGP 10,000 Best | — | — |
| Monthly intl. online limit (from Egypt) | — | EGP 50,000 | — | — |
| Interest & fees | ||||
| Effective annual rate (APR) | 60.1% (4% /mo) | 60.1% (4% /mo) | 34.33% (2.49% /mo) Best | 59.92% (3.99% /mo) |
| Nominal APR | 48% | 48% | 29.88% Best | 47.88% |
| Installment interest | — | 95% | — | — |
| Grace period | 56 days | 55 days | 57 days Best | 55 days |
| First year free | No | No | No | No |
| Annual fee | EGP 300 | EGP 300 | EGP 150 Best | EGP 300 |
| Fee waivable | No | No | No | No |
| Issuance fee | EGP 300 | EGP 300 | — | EGP 300 |
| Late payment fee | — | EGP 150 | — | — |
| Over-limit fee | — | EGP 150 | — | — |
| Supplementary card fee/yr | — | EGP 300 | — | — |
| Foreign txn fee | 5% | 3% Best | — | — |
| Min payment (%) | 5% | 5% | 5% | 5% |
| Min payment (fixed) | EGP 100 | EGP 100 | EGP 100 | EGP 100 |
| Cash advance | ||||
| Cash advance APR (effective) | 60.1% (4% /mo) | 60.1% (4% /mo) | — | — |
| Cash advance APR (nominal) | 48% | 48% | — | — |
| Domestic cash advance fee | EGP 50 | 3% (min EGP 40) | EGP 30 | EGP 40 |
| Cash advance limit | — | Up to 90% of the credit limit in cash | — | — |
| Cash advance fee abroad | EGP 50 | 3% (min EGP 50) | — | EGP 20 |
| Rewards & benefits | ||||
| Lounge access | No | No | No | No |
| Installments | No | Yes | No | Yes |
| Travel insurance | No | Yes | No | No |
| Purchase protection | No | Yes | No | No |
| Cashback | No | No | No | No |
| Rewards points | No | Yes | No | 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 | No | No |