Credit Cards (VISA & MasterCard)

Dear Customer,
Kindly find the below card Fees, usage limits, commission and interest rates for Banque Misr payment cards.

1. Credit Cards Fees and charges

Islamic Platinum World EL ARABY-

Credit card Type Classic Islamic Classic Gold Islamic Gold Business Corporate Titanium Signature World
Titanium Elite ASATHA

Card validity 3 years 2 years 1 year 3 years 2 years

150 EGP
Issuance fees
(ASATHA)
for the first 250 EGP 250 EGP 250 EGP 250 EGP 200 EGP 350 EGP 500 EGP 2500 EGP 2500 EGP 8000 EGP
100 EGP (EL
year
ARABY)

75 EGP(ASATHA)
Renewal fees 250 EGP 250 EGP 250 EGP 250 EGP 100 EGP 350 EGP 500 EGP 2500 EGP 2500 EGP 8000 EGP 50 EGP (EL
ARABY)

Issuance and
renewal of the
100 EGP 100 EGP 150 EGP N/A 200 EGP 300 EGP 500 EGP 500 EGP 1000 EGP 50 EGP
Supplementary
cards
Reissuance of
a replacement
for 100 EGP 100 EGP 100 EGP N/A 250 EGP 250 EGP 500 EGP 500 EGP 500 EGP 75 EGP
lost/damaged
cards

26/05/2024
 2. Usage Limits inside and abroad for Credit Cards ) The equivalent of the EGP )
EL
Gold Islamic
Credit card Type Classic Islamic Classic Islamic Gold Business Corporate Titanium Platinum Signature World World Elite ARABY-
Titanium
ASATHA
Purchases Inside
Within the credit card limit
Egypt
Daily limit
Daily limit of Daily limit of Daily limit of
of 26,000
26,000 EGP 26,000 EGP 26,000EGP
EGP from
from BM from BM from BM
BM ATMs,
Cash withdrawal from ATMs, ATMs, ATMs, Daily limit of 26,000 EGP from BM ATMs,
Daily limit
ATM inside Egypt 50% from the Daily limit of 50% from Daily limit of 40% from Daily limit of Daily limit of 4,000 EGP from Other banks ATMs
of 4,000 50% from the
credit limit 4,000 EGP the credit 4,000 EGP the card 4,000EGP from
EGP from card limit with
with from Other limit with from Other limit with Other banks
Other banks maximum
maximum banks ATMs maximum banks ATMs maximum ATMs
ATMs 50,000 EGP
10,000 EGP 15,000 EGP 10,000 EGP
Within the per month
per month Within the card per month Within the card per month Within the card
card limit
limit with limit with limit with
Cash withdrawal from with
maximum maximum maximum Within the card limit with maximum 250,000 EGP daily
POS inside Egypt maximum N/A
250,000 EGP 250,000 EGP 250,000 EGP
250,000
daily daily daily
EGP daily
Purchases Abroad
(In case the customer
100,000 EGP per 200,000EGP per
has informed the bank 3,000 EGP per month 10,000 EGP per month 3,000 EGP per month 25,000EGP per month 150,000 EGP per month
month month
of the travel)
( P.O.S / E-commerce )

Monthly international
purchase limit
In case the customer 25,000EGP per
1,500 EGP per month 5,000 EGP per month 1,500 EGP per month 12,500 EGP per month 50,000EGP per month
hasn’t informed the month
bank of the travel
( P.O.S / E-commerce )
Cash withdrawal
ATM
(In case the customer 3,000 EGP per month 6,000 EGP per month N/A
has informed the bank
of the travel)
Monthly international
cash withdrawal limit
In case the customer 0
hasn’t informed the
bank of the travel
N/A
contactless purchase
limit without pin inside 600 EGP per transaction with maximum 15 consecutive transaction, Except for EL ARABY- Cards
Egypt
contactless purchase
limit without pin Equivalent to 1500 EGP per transaction with maximum 15 consecutive Transaction, Except for EL ARABY- Cards
outside Egypt

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 3. Usage and balance inquiry fees for Credit Cards:

- Islamic Classic
EL ARABY-
Credit card Type Classic Gold Business Corporate Titanium - Islamic Gold Platinum Signature World World Elite
ASATHA
- Titanium Islamic

Cash withdrawal from BM ATM &

POS 5% from the transaction
2% from the transaction value with minimum charge 15 EGP value with minimum 2% from the transaction value with minimum charge 15 EGP
Cash withdrawal from ATM & POS charge 50 EGP
for other banks inside Egypt
Cash withdrawal from ATM & POS 5% from the transaction
3% from the transaction value + 50 EGP 3% from the transaction value + 50 EGP
Abroad value + 50 EGP
Balance inquiry from BM ATM Free N/A

Balance inquiry from other banks

1 EGP per transaction
ATM inside

Balance inquiry from ATM Abroad 3 EGP per transaction

Outside fees (Cash-Purchasing) 10 % from the transaction value

4. Interest Rate (Calculated on Monthly statement) and Other fees for Credit Cards:

• Classic
• Gold
• Titanium • Islamic Classic
• Business
Credit Card type • Platinum • Al Araby • Islamic Gold • Installment card
• Corporate
• Signature • Islamic Titanium
• World
• Word Elite
Interest rate 4% per month (Decreasing) 20.55% per year (Fixed) 20.55% per year (Fixed) 3% per month (Decreasing)

Late Payment Fees 75 EGP

Over Drawn Fees 75 EGP

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 5. Transactions Installment for Credit Cards:

Credit card Type Installment Type Installment Period Interest rate

- Classic
- Gold
- Titanium
- Purchase - 3% per month (Decreasing) for purchase
- Platinum 6 & 12 & 24 & 36 Months
- Signature - Cash (1000 EGP min for one trx.) - 3.50% per month (Decreasing) for Cash
- World
- World Elite

• The Debit interest for Credit Cards is calculated as following: -

Item Debit Interest

withdrawals The debit interest will be calculated from the date of withdrawals
Purchase The debit interest will be calculated from the date of purchase only for unpaid amount

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 Debit (Classic-Gold-Platinum-Titanium- MEEZA DEBIT), Salary and pre-paid
1. Fees and charge for debit and pre-paid cards
Visa
Salary Debit Cards
Card Type Pre-paid Internet Debit VIP Cards
Cards
Prepaid
Classic-
Tahya Misr Business Platinum Platinum MEEZA Tahya hawalty -
Standard Gold Titanium (Hadaya –Hayaty-Teens) World World Elite Platinum
Cards
gold Debit USD EGP debit card misr card Genaric
2 years
5 years
Card validity N/A 5 years 5 years 2 years with no renewal 3 years with no
renewal

Issuance fees For customers :85 EGP

200 20 $ 350 85
for the first N/A 150 EGP 200 EGP 100 EGP 250 EGP 150 EGP For university student: 10 40 EGP 30 EGP 3000 EGP 8000 EGP Free
EGP EGP EGP
year EGP

150 EGP 200 350 Free

Renewal fees N/A
annually EGP
200 EGP 75 EGP 250 EGP 10 $ 150 EGP NO renewal for the prepaid cards 3000 EGP 8000 EGP
EGP

Issuance of the
150 20 $ 300 Free
Supplementary N/A 100 EGP
EGP
150 EGP N/A 200 EGP 100 EGP N/A 500 EGP 1000 EGP
EGP
cards

renewal of the
150 10 $ 300 Free
Supplementary N/A 100 EGP
EGP
150 EGP N/A 200 EGP 100 EGP N/A 500 EGP 1000 EGP
EGP
cards

Reissuance of
a replacement
100 20 $ 250 30 Free
for N/A 100 EGP
EGP
100 EGP 50 EGP 250 EGP 100 EGP 35 EGP 20 EGP 20 EGP 500 EGP 500 EGP
EGP EGP
lost/damaged
cards

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 2. Usage Limits inside and abroad for debit and pre-paid cards:

Visa Debit VIP Cards

Salary Debit Cards
Card Type Pre-paid Internet
Cards
Prepaid
Platinum Platinum (Hadaya Tahya misr
Classic- card –
Tahya Business USD EGP MEEZA – World Platinum
Standard Gold Titanium World
Misr Debit DEBIT Hayaty- hawalty - Elite
Cards
Teens) Genaric
Within the
Within
card
the card
balance
Within the card / Account balance
and Within
Balance 50,000 EGP and Within the Account Balance
Purchases Inside Egypt maximum the card
daily maximum
100,000 balance
100,000
EGP per
EGP per
month
month

N/A
10,000 $ daily
Use inside
Purchases Abroad 0 N/A N/A N/A N/A 0 N/A N/A
only
50000 $
monthly
5 times
10
5 times daily 12 daily with a 12
transaction 5 transaction and Daily
Cash withdrawal from ATM with a Transaction maximum of 15 transaction and Transaction
and Daily limit of EGP 30,000 and N/A
(BM – other Bank) 5 transaction and Daily limit of EGP 30,000 maximum of and Daily 30,000 daily Daily limit of EGP and Daily
limit of maximum 100,000 EGP
inside Egypt 30,000 daily limit of and 100,000 30,000 limit of EGP
EGP per month
EGP EGP 30,000
30,000
30,000 monthly
According to the card
Cash withdrawal from POS EGP 250,000 Daily EGP 250,000 Daily Balance with maximum
(BM – other Bank) EGP 250,000 Daily
limit 250,000 EGP per
inside Egypt
Daily
1,000 $ daily
0 N/A
Use inside
Cash withdrawal from ATM & POS abroad 2,000 $ 0 N/A N/A
only
monthly

contactless purchase limit without pin inside

Egypt
600 EGP per transaction with maximum 7 consecutive times except Visa Internet Prepaid

EGP $ 50
per
contactless purchase limit without pin outside transaction N/A
N/A N/A
Egypt with
maximum
7

26/05/2024
 consecutive
times

3. Usage and balance inquiry fees for debit and pre-paid cards:
Card Type Debit, Salary and pre-paid
Cash withdrawal from BM ATM & POS Free

Cash withdrawal from other banks ATM Inside Egypt

5 EGP

0.33% from the transaction value + 10 EGP

Cash withdrawal from other banks POS inside Egypt
5 EGP per transaction FOR MEZZA Debit card
Cash withdrawal from POS Abroad 3% from the transaction value + 50 EGP (visa –MasterCard)
10 % from the transaction value (visa –MasterCard)
Outside fees (Cash-Purchasing)

Balance inquiry from BM ATM Free

Balance inquiry from other banks
2 EGP per transaction
ATM inside Egypt
Balance inquiry from ATM Abroad 3 EGP per transaction (visa –MasterCard)

Taya Misr Donation (Tahya Misr Prepaid – Debit) 1% from purchasing volume will be as a donate for Tahya Misr Fund

• All Meeza cards are used only inside Egypt (Cash withdrawal, Purchasing, e-commerce)
• This limit of usage applied from 08-06-2023, interest charge rates applied from 11-09-2023 and fees applied from 05-03-2023.
• The Usage of Debit & prepaid cards outside Egypt has been stopped from 09-10-2023
• Please be informed that only one of your main credit cards will be available for you to use while abroad, which is the card with the highest categories for only one user, away from
supplementary cards issued for other users.
• It is necessary to send documents (exit and entry stamp from the Arab Republic of Egypt from the passport) within a maximum period of 90 days from the date of leaving the country by visiting
the nearest branch or sending documents to e-mail [email protected]
• In case of not submitting the required documents, the bank will inform the Egyptian Credit Bureau I-Score to put the customer in the negative lists, and will be also included in the list of
customers to whom they is prohibited to issue credit cards or benefit from them of banking services in the future, as well as informing the concerned authorities to take the necessary action.
• International usage for credit cards will be available after 2 months from issuance date.
• Issuance and renewal fees will apply starting 01-06-2024

• All terms and conditions are applied

26/05/2024