CREDIT CARDS FEES

AND CHARGES
Cashback

W H I T E G O L D
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VALID 12-28 VALID VALID
THRU 12-28 THRU 12-28 THRU 12-28
1 2 -2 8
KARIM ADEL KARIM ADEL KARIM ADEL KARIM ADEL

White Classic Gold Cash Back E-Commerce

Issuance and Renewal Fees EGP45 EGP 100 EGP 150 EGP 150 EGP 100

Replacement Fees EGP 25 EGP 50 EGP 50 EGP 75 EGP 50

Supplementary Fees EGP 25 Free Free Free N/A

Interest Rate 2.99% 2.99% 2.99% 2.99% 2.99%

Life Insurance Heya Cards N/A N/A N/A N/A N/A

Credit Shield Subscription 0.8% monthly on the outstanding balance available with a minimum EGP 8

Insurance on Outstanding
EGP 10 EGP 10 EGP 10 EGP 10 EGP 10
Balance
55 days on 55 days on 55 days on 55 days on 55 days on
Grace Period
Purchases only Purchases only Purchases only Purchases only Purchases only

Over-limit Fees EGP 75 EGP 75 EGP 75 EGP 75 EGP 75

Late Payment Fees EGP 100 EGP 100 EGP 100 EGP 100 EGP 100

Cash Withdrawal Fees from 2% 2% 2% 2%

N/A
Domestic ATMs* min. EGP 20 min. EGP 20 min. EGP 20 min. EGP 20
Cash Withdrawal Fees from 10% 10% 10% 10%
N/A
International ATMs min. EGP 20 min. EGP 20 min. EGP 20 min. EGP 20

Foreign Exchange Mark up Fees 10% 10% 10% 10% 10%

Daily Cash Withdrawal Limit** EGP 4,000 EGP 6,000 EGP 20,000 EGP 20,000 N/A

Weekly Cash Withdrawal Limit EGP 7,000 EGP 12,000 EGP 45,000 EGP 60,000 N/A

Monthly International Cash

EGP 2,500 EGP 2,500 EGP 2,500 EGP 2,500 N/A
Withdrawal Limit
Monthly International Purchase
EGP 25,000 EGP 25,000 EGP 25,000 EGP 25,000 N/A
Limit*

1234 8567 1234 5678 5678 1234 8567 1234 5678 1234 8567 1234
5201 VALID VALID VALID
THRU 1 2 -2 8 THRU 12-28 THRU 12-28 12-28
KARIM ADEL RIHAM SOLIMAN KARIM ADEL

Titanium Heya Cards Platinum World World Elite

Issuance and Renewal Fees EGP 250 EGP 250 EGP 445 EGP 2,000*** EGP 6,000****

Replacement Fees EGP 100 EGP 100 EGP 100 EGP 300 EGP 500

Supplementary Fees Free Free Free Free Free

Interest Rate 2.69% 2.69% 2.59% 2.49% 2.49%

Life Insurance for Heya Cards N/A EGP 5 N/A N/A N/A

0.8% monthly on the outstanding balance available

Credit Shield Subscription
min. EGP 8
Insurance on Outstanding
EGP 10 EGP 10 EGP 10 EGP 10 EGP 10
Balance
55 days on 55 days on 55 days on 45 days on 55 days on
Grace Period
purchases only purchases only purchases only purchases only purchases only

Over-limit Fees EGP 75 EGP 75 EGP 75 EGP 75 0

Late Payment Fees EGP 100 EGP 100 EGP 100 EGP 100 EGP 100

Cash Withdrawal Fees from 2% 2% 2% 2% 2%

Domestic ATMs* min. EGP 20 min. EGP 20 min. EGP 20 min. EGP 20 min. EGP 20
Cash Withdrawal Fees from 10% 10% 10% 10% 10%
International ATMs min. EGP 20 min. EGP 20 min. EGP 20 min. EGP 20 min. EGP 20"

Foreign Exchange Mark up Fees 10% 10% 10% 10% 6%

Daily Cash Withdrawal Limit** EGP 20,000 EGP 20,000 EGP 20,000 EGP 20,000 EGP 20,000

Weekly Cash Withdrawal Limit EGP 80,000 EGP 80,000 EGP 140,000 EGP 140,000 EGP 140,000

Monthly International Cash

EGP 5,000 EGP 5,000 EGP 7,500 EGP 10,000 EGP 10,000
Withdrawal Limit
Monthly International Purchase
EGP 50,000 EGP 50,000 EGP 75,000 EGP 100,000 EGP 100,000
Limit*

12-28 12-28 12-28

Mileseverywhere Mileseverywhere Mileseverywhere

Standard Titanium Platinum

Issuance and Renewal Fees EGP 200 EGP 400 EGP 600

Replacement Fees EGP 50 EGP 100 EGP 150

Supplementary Fees Free Free Free

Interest Rate 3.19% 2.89% 2.79%

Life Insurance Heya Cards N/A N/A N/A

0.8% monthly on the outstanding balance available

Credit Shield Subscription
min. EGP 8

Insurance on Outstanding Balance EGP 10 EGP 10 EGP 10

55 days on purchases 55 days on purchases 55 days on purchases

Grace Period
only only only

Over-limit Fees EGP 75 EGP 75 EGP 75

Late Payment Fees EGP 100 EGP 100 EGP 100

2% 2% 2%
Cash Withdrawal Fees from Domestic ATMs*
min. EGP 20 min. EGP 20 min. EGP 20
Cash Withdrawal Fees from International 10% 10% 10%
ATMs min. EGP 20 min. EGP 20 min. EGP 20

Foreign Exchange Mark up Fees 10% 10% 10%

Daily Cash Withdrawal Limit** EGP 20,000 EGP 20,000 EGP 20,000

Weekly Cash Withdrawal Limit EGP 80,000 EGP 140,000 EGP 140,000

Monthly International Cash Withdrawal Limit EGP 2,500 EGP 5,000 EGP 7,500

Monthly International Purchase Limit* EGP 25,000 EGP 50,000 EGP 75,000

Balance Transfer
EPP Program Tenor Standard Program
and Retention
6-11 months 25.50%
Interest Rate 12-23 months 21.50% 19.50%
24-36 months 19.50%

Early Settlement Fees 5% on the outstanding balance

Cancellation Fees 5% on the outstanding balance

* The foreign currency usage maximum limit within 30 days is the monthly international purchase limit set in the
above table.
Please note that the 30-day count will start with the first transaction in foreign currency on rolling basis.
**Applies only on cash withdrawal transactions within Egypt
***Issuance fees for Wealth customers is EGP 1,000
***Renewal fees for Wealth customers is EGP 1,500
****Issuance fees for Private customers is zero
****Renewal fees for Private customers is EGP 4,000

Example:
If the monthly international purchase limit of the credit card is EGP 40,000 and you use the equivalent of EGP
20,000 in foreign currency on the first day of the month, EGP 15,000 on the 15th day, and the equivalent of EGP
5,000 in foreign currency on the 20th day, then you will start the following month with a usage limit equivalent to
EGP 20,000 in foreign currency, increasing to EGP 35,000 on the 15th day and EGP 40,000 on the 20th day.

In case of purchases in foreign currency, the transaction’s value is deducted according to the foreign exchange
rate on the transaction’s settlement date, which is determined by the merchant or the acquirer bank, and not the
execution date. Therefore, please ensure that there is sufficient balance in the account or card on the transaction’s
settlement date.