Credit cards

Islamic 0% installments

Visa Signature Covered Card

Abu Dhabi Islamic Bank Egypt 4.0 Islamic

Annual fee EGP 2,500

Rewards 2% cashback

Effective APR 59.92%

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Added Saturday 04 July 2026 - 07:15 PM Updated Friday 31 July 2026 - 01:06 PM

Card & limits

No data.

Interest & fees

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Cash advance

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Rewards & benefits

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Eligibility

No data.

Our take 4.0

4.0 Banky rating

Pros

A covered card fully compliant with the provisions of Islamic Sharia.
Premium Cashback: Earn 2% unlimited cashback on all domestic purchases.
Cash withdrawal flexibility: Ability to withdraw up to 100% of the card's coverage value.
Complimentary access to over 1,200 airport lounges worldwide—12 visits per year—via the Visa Airport Companion app.
Flexible Installment Plan: The option to convert purchases into equal monthly installments through the bank's installment program.
Exclusive offers and discounts on hotels, airport restaurants, and car rentals, in partnership with Visa.

Cons

The requirement to make an international transaction worth $5 to activate complimentary airport lounge access may be inconvenient for those who do not travel or shop internationally on a regular basis prior to their trip.
Cashback exclusions: Cashback (2%) is not calculated on bill payments, government charges, and utility payments (meter top-ups, gas, water).

Our take

The Covered Visa Signature Card is an excellent, premium choice for individuals seeking a Sharia-compliant credit card who also travel frequently. This card is ideal for you if: You make significant local purchases outside of the utility and telecommunications categories (to benefit from the uncapped 2% cashback). You travel several times a year and wish to take advantage of airport lounge access, a personal concierge service, and insurance coverage. However, if your usage is primarily focused on paying household bills and telecommunications expenses, you may lose out on the card's strongest competitive advantage—the cashback—following recent updates.

The covered Visa Signature card is an excellent, premium choice for individuals seeking a Sharia-compliant credit card who travel regularly.

User ratings

Islamic 0% installments

ADIB Platinum Islamic Mastercard Credit Card

Abu Dhabi Islamic Bank Egypt 3.9 Islamic

Annual fee EGP 800

Rewards 2% cashback

Effective APR 79.38%

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Added Thursday 02 July 2026 - 01:55 AM Updated Friday 31 July 2026 - 01:06 PM

Card & limits

No data.

Interest & fees

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Cash advance

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Rewards & benefits

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Eligibility

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Our take 3.9

3.9 Banky rating

Pros

Highest point-earning rate (double rewards): 2 points for every EGP 10 spent domestically, 4 points for every EGP 10 spent internationally, and 1,000 welcome points credited to your account immediately upon the first use of the card.
The Platinum Mastercard grants you complimentary access to numerous VIP lounges.
The card operates based on the Sharia-compliant Islamic Murabaha system.
Convenient payment and high security: Supported by secure online technology (OTP) for online shopping, with payment options available via bank ATMs or the "Fawry" network.

Cons

The card imposes a late payment fee of 125 pounds.
International Transaction and Currency Conversion Fees: A 3% currency conversion fee applies to purchases.

Our take

The ADIB-Etisalat Platinum Credit Card, offered by Abu Dhabi Islamic Bank (ADIB) Egypt, stands as the premier and most powerful tier within the co-branded Etisalat card lineup. Designed exclusively for premium and "Emerald" segment customers, it delivers maximum value by combining high-end banking services with exclusive telecommunications benefits—all in full compliance with Sharia principles. If you are an Etisalat "Emerald" customer seeking a Sharia-compliant card that offers social prestige, a substantial credit limit, and VIP airport privileges, the Platinum tier is the unrivaled choice for you within this range.

The ADIB-Etisalat Platinum Credit Card, offered by Abu Dhabi Islamic Bank (ADIB) Egypt, stands as the highest and most premium tier within the co-branded Etisalat card lineup.

User ratings

Islamic 0% installments

ADIB Titanium Islamic Mastercard Credit Card

Abu Dhabi Islamic Bank Egypt 3.0 Islamic

Annual fee EGP 400

Rewards 1% cashback

Effective APR 79.38%

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Added Thursday 02 July 2026 - 01:55 AM Updated Friday 31 July 2026 - 01:06 PM

Card & limits

No data.

Interest & fees

No data.

Cash advance

No data.

Rewards & benefits

No data.

Eligibility

No data.

Our take 3.0

3.0 Banky rating

Pros

An exceptional, accelerated rewards program: The card offers an earn rate of 1.5 points per EGP 10 spent, and 3 points per EGP 10 on international spending.
Complimentary airport lounge access: The Mastercard "Titanium" tier grants you complimentary access to VIP lounges.
Sharia-compliant: Operates under the Islamic Murabaha system and is supervised by a Sharia supervisory board.
Flexible repayment: You can settle the outstanding balance via the "Fawry" network or bank ATMs, in addition to the option of issuing supplementary cards for your family members.

Cons

International transaction fees: When purchasing in a foreign currency outside Egypt or online, a currency provision fee of up to 3% applies to purchases.
Late payment fees and protection charges: A fee of 125 pounds is charged for late payment.

Our take

The card is an excellent choice for Etisalat customers whose spending is concentrated on local and international purchases and who desire a strong return on their expenditure in the form of Etisalat minutes or services. It also offers cardholders a higher financial profile with a better credit limit than entry-level tiers, though it remains subject to a standard maximum limit of EGP 49,999. The ADIB-Etisalat Titanium Credit Card also represents a significant upgrade from the Gold tier; it is specifically designed for "Emerald" customers seeking higher point-earning rates and additional travel benefits, all while remaining fully compliant with Sharia principles.

The ADIB-Etisalat Titanium Credit Card is a significant upgrade from the Gold tier and is designed specifically for Emerald customers.

User ratings

Islamic 0% installments

ADIB classic Islamic Mastercard Credit Card

Abu Dhabi Islamic Bank Egypt 2.5 Islamic

Annual fee EGP 300

Rewards 5% cashback

Effective APR 79.38%

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Added Thursday 02 July 2026 - 01:55 AM Updated Friday 31 July 2026 - 01:06 PM

Card & limits

No data.

Interest & fees

No data.

Cash advance

No data.

Rewards & benefits

No data.

Eligibility

No data.

Our take 2.5

2.5 Banky rating

Pros

Sharia-compliant: The card operates in accordance with the principles of Islamic Sharia (Murabaha) and under the supervision of the Bank’s Sharia Supervisory Board.
Etisalat Rewards Program (Emerald): The card allows you to earn points on purchases and redeem them across the Etisalat network.
Comfortable grace period: A grace period of up to 55 days without Murabaha profit applies to purchases and cash withdrawals.
Flexible Repayment: Monthly payments can be easily made via bank branches, ATMs, or the "Fawry" network across Egypt.
Security: Powered by contactless technology for quick payments, in addition to a secure online feature (OTP) for safe online shopping.

Cons

A relatively high Murabaha rate of 4.99% on purchases.
Mandatory Takaful Protection: A monthly Takaful protection contribution of 0.5% is applied.
A low credit limit not exceeding 10,000 pounds.

Our take

The ADIB-Etisalat credit card (available in Gold, Titanium, and Platinum tiers)—offered by ADIB Egypt in partnership with Etisalat Misr—is designed for "Emerald" segment customers who wish to combine banking transactions with telecommunications benefits. While the card is an excellent choice for domestic, everyday use, it is less favorable and costly for international transactions or cash withdrawals. It is a highly reliable option for those seeking Sharia-compliant financial services.

This card is considered an "excellent choice for domestic and daily use," but is "poor and costly for international use or cash withdrawals."