HDB

Terms and Conditions for The Summer Campaign for the Top Credit and Debit Cards Spenders

·       The campaign is available to all holders of HDB credit and debit cards (both primary and supplementary), for both existing and new customers.

·       The campaign runs from July 1, 2026 to August 31, 2026

·       The campaign applies to all credit and debit card types, with 60 winners in July and 60 winners in August – 30 credit card winners and 30 debit card winners each month.

·       To participate, the customer must perform purchase transactions using credit or debit cards through POS terminals or online, subject to the following:

o   Credit card transactions are eligible both locally and internationally, while debit card transactions are limited to local transactions only.

o   Customers must achieve a minimum total monthly spend of EGP 1,000.

o    A minimum of 10 purchase transactions per month with a minimum of EGP 100 per transaction. At least two of these transactions must be completed online.

·       The cash prizes include the following:

Card Type / Campaign Month

July

August

Prize Value

Debit Cards

Credit Cards

Debit Cards

  Credit Cards

Classic Cards

10 Winner

10 Winner

10 Winner

10 Winner

EGP 10,000 per Winner

Titanium Cards

10 Winner

10 Winner

10 Winner

10 Winner

EGP 10,000 per Winner

Platinum / Royal Cards

10 Winner

10 Winner

10 Winner

10 Winner

EGP 10,000 per Winner

Total

30 Winner

30 Winner

30 Winner

30 Winner

 

60 Winner

60  Winner

 


Eligible customers will be ranked in descending order based on the total
purchase transaction value per month separately. In case of a tie in total purchase value, priority will be given to the customer with the higher number of purchase transactions, and then to the customer with the higher number of Online transactions.

·       Each customer is eligible to win only once during the campaign period. If a customer wins under one card category, they will not be eligible to win under any other category. For example, if a customer wins using a credit card, they cannot win again using their debit card.

·       Both primary and supplementary cardholders may win simultaneously.

·       Customers who win in July will be excluded from winning again in August, while customers non-winners remain eligible to win in August.

·       Monthly installments and refunds are excluded from eligible purchases.

·       Refund transactions (full or partial) are deducted (both count and value) from the total eligible transactions

·       Commercial transactions and e-wallet funding transactions are not considered eligible transactions.

·       The Bank reserves the right to exclude any credit or debit card transactions that are deemed inconsistent with normal personal card usage.

·       Closed cards (credit/debit) or closed accounts will be excluded when ranking eligible customers.

·       Only purchase transactions are considered eligible.

·       Transactions are considered eligible for the campaign based on the transaction date rather than the settlement date.

·       Transactions made using supplementary cards will be considered as eligible transactions. The primary cardholder will be entitled to receive the prize in case the supplementary card wins, while the supplementary cardholder is not entitled to receive any prize won by the primary card.

·       No registration or application is required. customers are automatically enrolled based on their monthly purchase activity.

·       If the customer closes their card or account before receiving the prize, e customer forfeits the right to claim it.

·       The cash prize will be credited to the customer’s account with the Bank , If the customer does not have an account with the Bank, a new account will be opened and the prize amount will be credited to it.

·       A number of alternate winners will be selected based on the ranking of eligible customers, to be used in case any of the main winners cannot be awarded the prize for any reason, in accordance with the campaign’s terms and conditions.

HDB

Terms & Conditions of the Installment Campaign for HDB Credit Cards (No Interest / No Administrative Fees) with El Araby – 6-12-Month Plan

  • When making a purchase through ElAraby Group branches only or their official websites, customers can benefit from the 6-month, and 12-month installment plans by contacting 19995.
  • The installment offers are available for both existing and new customers holding Housing & Development Bank (HDB) credit cards (primary or supplementary).
  • The offers apply only to transactions executed from the 1st to the 25th day in July 2026, provided they are settled within the same month and during the campaign period.
  • The last date to contact the Customer Care Center to benefit from this campaign is July 30, 2026.
  • Transactions made before or after the campaign period are not eligible for installment offers.
  • The offers are valid only for transactions made at the participating merchants included in the campaign.
  • The minimum eligible amount for installment is EGP 500 per purchase transaction.
  • The offer is valid for purchases made online through the merchant’s official website or at any branch of merchant’s branches.

 

Installment Transactions:

  • Before completing the transaction, the customer must inform the cashier of the merchant of their desire to pay in installments.
  • After completing the transaction, the customer must call the HDB Call Center on 19995 to activate the installment service within the same month of purchase, provided the transaction is settled within the campaign month.
  • Installment payments start from September 2026, and the first installment must be paid before September 26, 2026.
  • The installment offers are provided without any down payment, interest, or administrative fees.
  • To avoid penalties or negative impact on the customer’s credit rating with I-Score, installments must be paid on time.
  • HDB reserves the right to amend or cancel the promotional campaign at any time.
  • The Bank is responsible for collecting installments from the customer in accordance with the agreed terms.
  • The Bank is not responsible for any disputes that may arise between the customer and the merchant.
  • Merchants are obliged to provide the products or goods without imposing any additional fees or charges on the customer when completing the purchase under the campaign’s terms.
  • The agreed installment period with the participating merchants in the campaign cannot be modified.
  • The customer must notify the HDB Call Center on 19995 that the transaction is subject to installment under the no-interest / no-fee promotional campaign.

·        The installment plan will be canceled if the customer requests a refund for the transaction, whether partial or full.

·        In the event that a customer benefits from merchant discounts, the installment offer shall not apply


    • To apply, please click here
    HDB

    Terms & Conditions of the 6/12/18-Month Installment Plan at Dubai Phone with no interest or administrative fees

    • When making a purchase through Dubai Phone branches or their official websites, customers can benefit from the 6-months, 12-months, or 18-months installment plan by contacting 19995.
    • The installment offers are available for both existing and new customers holding Housing & Development Bank (HDB) credit cards (primary or supplementary).
    • The offers apply only to transactions executed from the 1st to the 25th day in July, 2026, provided they are settled within the same month and during the campaign period.
    • The last date to contact the Customer Care Center to benefit from this campaign is July 30, 2026.
    • Transactions made before or after the campaign period are not eligible for installment offers.
    • The offers are valid only for transactions made at the participating merchants included in the campaign.
    • The minimum eligible amount for installment is EGP 500 per purchase transaction.
    • The offer is valid for purchases made online through the merchant’s official website or at any branch of merchant’s branches.

     

    Installment Transactions:

    • Before completing the transaction, the customer must inform the cashier of the merchant of their desire to pay in installments.
    • After completing the transaction, the customer must call the HDB Call Center on 19995 to activate the installment service within the same month of purchase, provided the transaction is settled within the campaign month.
    • Installment payments start from September 2026, and the first installment must be paid before September 26, 2026.
    • The installment offers are provided without any down payment, interest, or administrative fees.
    • To avoid penalties or negative impact on the customer’s credit rating with I-Score, installments must be paid on time.
    • HDB reserves the right to amend or cancel the promotional campaign at any time.
    • The Bank is responsible for collecting installments from the customer in accordance with the agreed terms.
    • The Bank is not responsible for any disputes that may arise between the customer and the merchant.
    • Merchants are obliged to provide the products or goods without imposing any additional fees or charges on the customer when completing the purchase under the campaign’s terms.
    • The agreed installment period with the participating merchants in the campaign cannot be modified.

    ·        The installment plan will be canceled if the customer requests a refund for the transaction, whether partial or full.


    • In the event that a customer benefits from merchant discounts, the installment offer shall not apply
    • The customer must notify the HDB Call Center on 19995 that the transaction is subject to installment under the no-interest / no-fee promotional campaign.
    • The general terms and conditions of HDB credit cards shall apply.
    • For More:  https://www.dubaiphone.net/hdb-offer
    • To apply, please click here.

    HDB

    Terms & Conditions of the Installment Campaign for HDB Credit Cards (No Interest / No Administrative Fees) with 2B 6- 18 months plan

    • When making a purchase through 2B branches or their official websites, customers can benefit from the 6-month, or 18-month installment plan by contacting 19995.
    • The installment offers are available for both existing and new customers holding Housing & Development Bank (HDB) credit cards (primary or supplementary).
    • The offers apply only to transactions executed from the 1st to the 25th day in July , 2026, provided they are settled within the same month and during the campaign period.
    • The last date to contact the Customer Care Center to benefit from this campaign is July 30, 2026.
    • Transactions made before or after the campaign period are not eligible for installment offers.
    • The offers are valid only for transactions made at the participating merchants included in the campaign.
    • The minimum eligible amount for installment is EGP 500 per purchase transaction.
    • The offer is valid for purchases made online through the merchant’s official website or at any branch of merchant’s branches.

     

    Installment Transactions:

    • Before completing the transaction, the customer must inform the cashier at the merchant of their desire to pay in installments.
    • After completing the transaction, the customer must call the HDB Call Center on 19995 to activate the installment service within the same month of purchase, provided the transaction is settled within the campaign month.
    • Installment payments start from September 2026, and the first installment must be paid before September 26, 2026.
    • The installment offers are provided without any down payment, interest, or administrative fees.
    • To avoid penalties or negative impact on the customer’s credit rating with I-Score, installments must be paid on time.
    • HDB reserves the right to amend or cancel the promotional campaign at any time.
    • The Bank is responsible for collecting installments from the customer in accordance with the agreed terms.
    • The Bank is not responsible for any disputes that may arise between the customer and the merchant.
    • Merchants are obliged to provide the products or goods without imposing any additional fees or charges on the customer when completing the purchase under the campaign’s terms.
    • The agreed installment period with the participating merchants in the campaign cannot be modified.
    • The customer must notify the HDB Call Center on 19995 that the transaction is subject to installment under the no-interest / no-fee promotional campaign.
    • The installment plan will be canceled if the customer requests a refund for the transaction, whether partial or full.
    • In the event that a customer benefits from merchant discounts, the installment offer shall not apply
    • The general terms and conditions of HDB credit cards shall apply.
    • To apply, please click here
    HDB

    Terms & Conditions of the 6-12-Month Installment Plan at Cairo-Cart with no interest or administrative fees

    ·        When making a purchase through Cairo-cart branches or their official websites, customers can benefit from the 6-month, or 12-month installment plan by contacting 19995.

    ·        The installment offers are available for both existing and new customers holding Housing & Development Bank (HDB) credit cards (primary or supplementary).

    ·        The offers apply only to transactions executed from the 1st to the 25th day in July 2026, provided they are settled within the same month and during the campaign period.

    ·        The last date to contact the Customer Care Center to benefit from this campaign is July 30, 2026.

    ·        Transactions made before or after the campaign period are not eligible for installment offers.

    ·        The offers are valid only for transactions made at the participating merchants included in the campaign.

    ·        The minimum eligible amount for installment is EGP 500 per purchase transaction.

    ·        The offer is valid for purchases made online through the merchant’s official website or at any branch of merchant’s branches.

    Installment Transactions:

    ·        Before completing the transaction, the customer must inform the cashier at the merchant of their desire to pay in installments.

    ·        After completing the transaction, the customer must call the HDB Call Center on 19995 to activate the installment service within the same month of purchase, provided the transaction is settled within the campaign month.

    ·        Installment payments start from September 2026, and the first installment must be paid before September 26, 2026.

    ·        The installment offers are provided without any down payment, interest, or administrative fees.

    ·        To avoid penalties or negative impact on the customer’s credit rating with I-Score, installments must be paid on time.

    ·        HDB reserves the right to amend or cancel the promotional campaign at any time.

    ·        The Bank is responsible for collecting installments from the customer in accordance with the agreed terms.

    ·        The Bank is not responsible for any disputes that may arise between the customer and the merchant.

    ·        Merchants are obliged to provide the products or goods without imposing any additional fees or charges on the customer when completing the purchase under the campaign’s terms.

    ·        The agreed installment period with the participating merchants in the campaign cannot be modified.

    ·        The customer must notify the HDB Call Center on 19995 that the transaction is subject to installment under the no-interest / no-fee promotional campaign.

    ·        The installment plan will be canceled if the customer requests a refund for the transaction, whether partial or full.

    ·        In the event that a customer benefits from merchant discounts, the installment offer shall not apply

    The general terms and conditions of HDB credit cards shall apply

    • To apply, please click here.
    HDB

    Terms and Conditions of the Discount Offers for Housing & Development Bank (HDB) Cardholders

    •       Cardholders of Housing and Development Bank can enjoy special discounts when purchasing from merchants participating in the program, until the period specified next to each merchant in the table below.
    •      The offer is valid on all cards issued by Housing & Development Bank (credit cards – debit cards – prepaid cards).
    •       Before completing the transaction, the customer must inform the merchant’s cashier of their desire to receive the discount.
    •       The Bank reserves the right to amend or cancel the offer at any time. 
    •       The Bank shall not be responsible for any dispute that may arise between the customer and the merchant.
    •       The merchant shall provide the products or goods without charging the customer any additional fees or commissions during the purchase transaction, in accordance with the terms and conditions of the promotional campaign. 
    •       The terms and conditions applicable to cards issued by Housing and Development Bank shall apply. 
    •       The discount will be applied automatically when paying with the card through “Fawry” point-of-sale (POS) terminals at the merchant. 
    •       The offers are available only for transactions made at the merchants participating in the campaign, as follows:

     

    Merchant Name

    Category

    Discount Percentage

    Validity

    Lapomme

     

    Food & Beverage

    15%

    Starting from 12 July Until 31 August 2026

     

    Abouellaban

     

    10%

    Moishi

     

    5% capped EGP 50 per transaction

    Starting from 12 July Until 31 July 2026

    MIAMI CENTER

     

    Electronics

    5%

     

    Starting from 12 July Until 31 August 2026

     

    EHAB GROUP

     

    5%

    Fresh

     

    18%

    Starting from 12 July Until 31 July 2026

    HDB

    Terms and Conditions for the 12‑Month Installment Campaign with No Interest and No Administrative Fees for New Credit Cardholders

    Eligible Segments for the Campaign:

    ·       The campaign includes new customers who are credit cardholders only.

    ·       Applies to both primary and supplementary cards.

    ·       Applies to all card types: Classic – Titanium – Platinum.

    ·       Bank employees are also included.

    Campaign Duration:

    The customer is entitled to benefit from the campaign when using the card during the month of issuance or the following month only.

    Installment Service Terms and Conditions:

    ·       The customer is entitled to convert any number of purchase transactions starting from EGP 500 and above, with a maximum of EGP 30,000 as the total value of transactions that can be converted into installments during the campaign for each card, and the installment period is 12 months with no interest and no administrative fees.

    ·       Installments apply to one month only either the month of card issuance or the month immediately following it. Under no circumstances may installment transactions be split between the two months.

    ·       Example: If the customer makes purchase transactions during the card issuance month (July), they are entitled to choose only one of the two months to convert transactions into installments, even if they make additional transactions during the following month (August).

    -     Two transactions in July totaling EGP 14,000.

    -     Two transactions in August totaling EGP 22,000.

    Scenario 1: Choosing July

    ·       The total amount of EGP 14,000 is converted into 12‑month installments with no interest.

    ·       Cashback is calculated based on the total installment amount, not exceeding the campaign limit. The cashback in this example is EGP 1,849.

    ·       No transactions made in August can be converted into installments.

    Scenario 2: Choosing August

    ·       The total amount of EGP 22,000 is converted into 12‑month installments with no interest.

    ·       Cashback is calculated based on the total amount of transactions in the selected month, not exceeding the campaign limit. The cashback in this example is EGP 2,907.

    ·       No transactions made in July can be converted into installments.

     

    Note: Under no circumstances can transactions from two different months be combined into the same installment request.

    ·       The customer must submit the installment request through the call center within the same month the transaction was made.

    ·       No transactions made in months prior to the eligible installment month may be converted into installments.

    Total Value of Transactions Eligible for Installments:

    ·       The maximum total value of transactions that can be converted into installments during the campaign is EGP 30,000 per card.

    ·       Accordingly, the maximum cashback limit is EGP 3,963, which equals the installment fee for converting EGP 30,000 over 12 months.

    Cashback Eligibility Mechanism:

    ·       The customer receives cashback up to a maximum of EGP 3,963, equivalent to the fees for converting a EGP 30,000 transaction into installments.

    ·       Cashback is credited in the month following the installment month, after verifying that all campaign conditions are met.

    Campaign Period:

    ·       The campaign is valid during the issuance month and the following month

    Non‑Eligible Transactions:

    ·       Cash withdrawals.

    ·       Refunds:

    -     Partial refunds made until the 15th of the month following the installment month: cashback is calculated on the remaining amount after deducting the refunded value from the total installment amount.

    -     Full refunds made until the 15th of the month following the installment month: no cashback is granted on fully refunded transactions.


    To apply, please click here.



    HDB

    Terms & Conditions of the Installment Campaign for HDB Credit Cards (No Interest / No Administrative Fees) with Booking-CW– 6-12 - Months Plan

    ·        When making a purchase through Booking CW official website, customers can benefit from the 6-month, or 12-month installment plan by contacting 19995.

    ·        The installment offers are available for both existing and new customers holding Housing & Development Bank (HDB) credit cards (primary or supplementary).

    ·        The offers apply only to transactions executed from the 1st to the 25th day in July, 2026, provided they are settled within the same month and during the campaign period.

    ·        The last date to contact the Customer Care Center to benefit from this campaign is July 30, 2026.

    ·        Transactions made before or after the campaign period are not eligible for installment offers.

    ·        The offers are valid only for transactions made at the participating merchants included in the campaign.

    ·        The minimum eligible amount for installment is EGP 500 per purchase transaction.

    ·        The offer is valid for purchases made online through the merchant’s official website.

    Installment Transactions:

    ·        Before completing the transaction, the customer must inform the cashier at the merchant of their desire to pay in installments.

    ·        After completing the transaction, the customer must call the HDB Call Center on 19995 to activate the installment service within the same month of purchase, provided the transaction is settled within the campaign month.

    ·        Installment payments start from September 2026, and the first installment must be paid before September 26, 2026.

    ·        The installment offers are provided without any down payment, interest, or administrative fees.

    ·        To avoid penalties or negative impact on the customer’s credit rating with I-Score, installments must be paid on time.

    ·        HDB reserves the right to amend or cancel the promotional campaign at any time.

    ·        The Bank is responsible for collecting installments from the customer in accordance with the agreed terms.

    ·        The Bank is not responsible for any disputes that may arise between the customer and the merchant.

    ·        Merchants are obliged to provide the products or goods without imposing any additional fees or charges on the customer when completing the purchase under the campaign’s terms.

    ·        The agreed installment period with the participating merchants in the campaign cannot be modified.

    ·        The customer must notify the HDB Call Center on 19995 that the transaction is subject to installment under the no-interest / no-fee promotional campaign.

    ·        The installment plan will be canceled if the customer requests a refund for the transaction, whether partial or full.

    ·        In the event that a customer benefits from merchant discounts, the installment offer shall not apply

    ·        For inquiries regarding bookings or the services provided by the Merchant, customers can contact the Merchant’s customer service through:

    ·        The general terms and conditions of HDB credit cards shall apply.

    To apply, please click here.

    HDB

    Terms & Conditions of the Installment Campaign for HDB Credit Cards (No Interest / No Administrative Fees) with Ghataty – 6- 12- or 18-Months Plan

    ·        When making a purchase through Ghataty branches, customers can benefit from the 6-month or 12-month or 18-month installment plan by contacting 19995.

    ·        The installment offers are available for both existing and new customers holding Housing & Development Bank (HDB) credit cards (primary or supplementary).

    ·        The offers apply only to transactions executed from the 1st to the 25th day in July, 2026, provided they are settled within the same month and during the campaign period.

    ·        The last date to contact the Customer Care Center to benefit from this campaign is July 30, 2026.

    ·        Transactions made before or after the campaign period are not eligible for installment offers.

    ·        The offers are valid only for transactions made at the participating merchants included in the campaign.

    ·        The minimum eligible amount for installment is EGP 500 per purchase transaction.

    ·        The offer is valid for purchases made at any branch of merchant’s branches.

    Installment Transactions:

    ·        Before completing the transaction, the customer must inform the cashier at the merchant of their desire to pay in installments.

    ·        After completing the transaction, the customer must call the HDB Call Center on 19995 to activate the installment service within the same month of purchase, provided the transaction is settled within the campaign month.

    ·        Installment payments start from September 2026, and the first installment must be paid before September 26, 2026.

    ·        The installment offers are provided without any down payment, interest, or administrative fees.

    ·        To avoid penalties or negative impact on the customer’s credit rating with I-Score, installments must be paid on time.

    ·        HDB reserves the right to amend or cancel the promotional campaign at any time.

    ·        The Bank is responsible for collecting installments from the customer in accordance with the agreed terms.

    ·        The Bank is not responsible for any disputes that may arise between the customer and the merchant.

    ·        Merchants are obliged to provide the products or goods without imposing any additional fees or charges on the customer when completing the purchase under the campaign’s terms.

    ·        The agreed installment period with the participating merchants in the campaign cannot be modified.

    ·        The customer must notify the HDB Call Center on 19995 that the transaction is subject to installment under the no-interest / no-fee promotional campaign.

    ·        The installment plan will be canceled if the customer requests a refund for the transaction, whether partial or full.

    ·        In the event that a customer benefits from merchant discounts, the installment offer shall not apply

    ·        The general terms and conditions of HDB credit cards shall apply.

    •              To apply, please click here.

    HDB

    Terms & Conditions of the Installment Campaign for HDB Credit Cards (No Interest / No Administrative Fees) with Tradeline – 6- 12-Month Plan

    ·        When making a purchase through Tradeline branches or their official websites, customers can benefit from the 6-month, or 12-month installment plan by contacting 19995.

    ·        The installment offers are available for both existing and new customers holding Housing & Development Bank (HDB) credit cards (primary or supplementary).

    ·        The offers apply only to transactions executed from the 1st to the 25th day in July, 2026, provided they are settled within the same month and during the campaign period.

    ·        The last date to contact the Customer Care Center to benefit from this campaign is July 30, 2026.

    ·        Transactions made before or after the campaign period are not eligible for installment offers.

    ·        The offers are valid only for transactions made at the participating merchants included in the campaign.

    ·        The minimum eligible amount for installment is EGP 500 per purchase transaction.

    ·        The offer is valid for purchases made online through the merchant’s official website or at any branch of merchant’s branches.

    Installment Transactions:

    ·        Before completing the transaction, the customer must inform the cashier at the merchant of their desire to pay in installments.

    ·        After completing the transaction, the customer must call the HDB Call Center on 19995 to activate the installment service within the same month of purchase, provided the transaction is settled within the campaign month.

    ·        Installment payments start from September 2026, and the first installment must be paid before September 26, 2026.

    ·        The installment offers are provided without any down payment, interest, or administrative fees.

    ·        To avoid penalties or negative impact on the customer’s credit rating with I-Score, installments must be paid on time.

    ·        HDB reserves the right to amend or cancel the promotional campaign at any time.

    ·        The Bank is responsible for collecting installments from the customer in accordance with the agreed terms.

    ·        The Bank is not responsible for any disputes that may arise between the customer and the merchant.

    ·        Merchants are obliged to provide the products or goods without imposing any additional fees or charges on the customer when completing the purchase under the campaign’s terms.

    ·        The agreed installment period with the participating merchants in the campaign cannot be modified.

    ·        The customer must notify the HDB Call Center on 19995 that the transaction is subject to installment under the no-interest / no-fee promotional campaign.

    ·        The installment plan will be canceled if the customer requests a refund for the transaction, whether partial or full.

    ·        In the event that a customer benefits from merchant discounts, the installment offer shall not apply

    ·        The general terms and conditions of HDB credit cards shall apply.

    To apply, please click here.
    HDB

    Terms & Conditions of the Installment Campaign for HDB Credit Cards (No Interest / No Administrative Fees) with Raneen – 6 -12 -Months Plan

    • When making a purchase through Raneen branches or their official websites, customers can benefit from the 6-month, or 12-month installment plan by contacting 19995.
    • The installment offers are available for both existing and new customers holding Housing & Development Bank (HDB) credit cards (primary or supplementary).
    • The offers apply only to transactions executed from the 1st to the 25th day in July , 2026, provided they are settled within the same month and during the campaign period.
    • The last date to contact the Customer Care Center to benefit from this campaign is July 30, 2026.
    • Transactions made before or after the campaign period are not eligible for installment offers.
    • The offers are valid only for transactions made at the participating merchants included in the campaign.
    • The minimum eligible amount for installment is EGP 500 per purchase transaction.
    • The offer is valid for purchases made online through the merchant’s official website or at any branch of merchant’s branches.

     

    Installment Transactions:

    • Before completing the transaction, the customer must inform the cashier of the merchant of their desire to pay in installments.
    • After completing the transaction, the customer must call the HDB Call Center on 19995 to activate the installment service within the same month of purchase, provided the transaction is settled within the campaign month.
    • Installment payments start from September 2026, and the first installment must be paid before September 26, 2026.
    • The installment offers are provided without any down payment, interest, or administrative fees.
    • To avoid penalties or negative impact on the customer’s credit rating with I-Score, installments must be paid on time.
    • HDB reserves the right to amend or cancel the promotional campaign at any time.
    • The Bank is responsible for collecting installments from the customer in accordance with the agreed terms.
    • The Bank is not responsible for any disputes that may arise between the customer and the merchant.
    • Merchants are obliged to provide the products or goods without imposing any additional fees or charges on the customer when completing the purchase under the campaign’s terms.
    • The agreed installment period with the participating merchants in the campaign cannot be modified.
    • The customer must notify the HDB Call Center on 19995 that the transaction is subject to installment under the no-interest / no-fee promotional campaign.

    ·        The installment plan will be canceled if the customer requests a refund for the transaction, whether partial or full.

    ·       
    In the event that a customer benefits from merchant discounts, the installment offer shall not apply

    • The general terms and conditions of HDB credit cards shall apply.
    To apply, please click here.
    HDB

    Terms & Conditions of the Installment Campaign for HDB Credit Cards (No Interest / No Administrative Fees) with Rizkallah - XPRS - Ehab Center

    • When making a purchase through XPRS branches or their official websites, customers can benefit from the 6-month, or 12-month installment plan by contacting 19995.
    • When making a purchase through Rizkallah branches or their official websites, customers can benefit from the 6-month, or 12-month installment plan by contacting 19995.
    • When making a purchase through Ehab Center branches, customers can benefit from the 6-month, or 18-month installment plan by contacting 19995.
    • The installment offers are available for both existing and new customers holding Housing & Development Bank (HDB) credit cards (primary or supplementary).
    • The offers apply only to transactions executed from the 1st to the 25th day in July, 2026, provided they are settled within the same month and during the campaign period.
    • The last date to contact the Customer Care Center to benefit from this campaign is July 30, 2026.
    • Transactions made before or after the campaign period are not eligible for installment offers.
    • The offers are valid only for transactions made at the participating merchants included in the campaign.
    • The minimum eligible amount for installment is EGP 500 per purchase transaction.
    • The offer is valid for purchases made online through the merchant’s official website or at any branch of merchant’s branches.

    Installment Transactions:

    ·     Before completing the transaction, the customer must inform the cashier at the merchant of their desire to pay in installments.

    ·     After completing the transaction, the customer must call the HDB Call Center on 19995 to activate the installment service within the same month of purchase, provided the transaction is settled within the campaign month.

    ·     Installment payments start from September 2026, and the first installment must be paid before September 26, 2026.

    • The installment offers are provided without any down payment, interest, or administrative fees.
    • To avoid penalties or negative impact on the customer’s credit rating with I-Score, installments must be paid on time.
    • HDB reserves the right to amend or cancel the promotional campaign at any time.
    • The Bank is responsible for collecting installments from the customer in accordance with the agreed terms.
    • The Bank is not responsible for any disputes that may arise between the customer and the merchant.
    • Merchants are obliged to provide the products or goods without imposing any additional fees or charges on the customer when completing the purchase under the campaign’s terms.
    • The agreed installment period with the participating merchants in the campaign cannot be modified.
    • The customer must notify the HDB Call Center on 19995 that the transaction is subject to installment under the no-interest / no-fee promotional campaign.
    • The installment plan will be canceled if the customer requests a refund for the transaction, whether partial or full.
    • In the event that a customer benefits from merchant discounts, the installment offer shall not apply
    • The general terms and conditions of HDB credit cards shall apply.
    • To apply, please click here.
    HDB

    Terms and Conditions of the 5% Cashback Campaign & Card Issuance Fee Refund for New Customers

    You can now obtain the Housing and Development Bank credit card, and you will receive 5% cashback on your purchases up to the issuance fees.

    Eligible Segments for the Campaign:

    ·       The offer applies only to new primary credit card customers.

    ·       The campaign does not include supplementary cards.

    ·       Employees are excluded as card issuance fees do not apply to their cards.

    Campaign Duration:

    ·       The campaign runs from January 1st, 2026, to December 31st, 2026.

    Installment Service Terms and Conditions:

    ·       The offer applies to purchase transactions made using the credit card from anywhere inside or outside Egypt.

    ·       Purchases must be made within the issuance month or the following month.

    ·       Cashback is calculated at 5% of the total eligible purchases, up to the card issuance fees.

    ·       Any newly launched card products during the campaign will be added according to their corresponding segment.

    ·       The cardholder can benefit from this offer only once during the entire campaign period.

    Minimum Purchase Amounts and Cashback Values:

    The customer must complete purchases equal to or exceeding the minimum amount required for each card type as shown below, in order for the 5% cashback to be applied.

    Card Type

    Minimum Total Purchase Amount During Issuance Month + Following Month

    Cashback Value

    Classic

    EGP 2,000

    5% Up To EGP 200

    Titanium

    EGP 3,000

    5% Up To EGP 300

    Platinum

    EGP 7,500

    5% Up To EGP 500

    Example:

    ·       A customer issued a Titanium card in April.

    ·       Required minimum purchase amount: EGP 3,000.

    ·       Maximum allowable cashback: 5%, up to EGP 300.

    -     Purchases were made during April + May (Issuance Month + Following Month).

    -     Total purchases = EGP 4,000.

    -     Cashback refunded = EGP 200, credited in June.


    Non‑Eligible Transactions:

    The following are not counted toward minimum purchases or cashback:

    ·       Refund transactions are excluded from total eligible purchase transactions for cashback calculation.

    ·       Wallet charge transactions, donations, and government transactions are excluded.

    ·       Cashback applies to purchase transactions only, excluding cash withdrawals, and only for transactions made during the issuance month or the following month based on the transaction execution date.

    ·       Closed credit cards are excluded from receiving cashback.

    Cashback Eligibility Mechanism:

    ·       Cashback will be refunded in the third month from the purchase transaction date as a credit transaction on the card balance, without affecting the customer’s obligation to pay the full statement balance or minimum payment.

    ·       The offer applies to newly issued cards from January 2026 to December 31, 2026. The last cashback amount for cards issued in December 2026 will be refunded in February 2027.

    ·       Cashback will appear on the statement under the name: Issuance Fees Cashback.

    To apply, please click here.


    HDB

    Terms & Conditions of the Amazon Prime - MasterCard Campaign

    Enjoy up to 6 months of Amazon Prime, courtesy of Mastercard.

     

    Offer is available to eligible cardholders signing up to Amazon Prime Egypt only.

    Product Eligibility

    • Platinum & Titanium cardholders will get 6 months of Prime
    • Standard cardholders will get 3 months of Prime

    Redeem Process

    • Cardholder to visit elevate.mastercard.com/amazon-eg
    • Cardholder to sign into their Amazon account, or create a new one
    • Cardholder will unlock their exclusive Amazon Prime benefits by setting their eligible Mastercard card as the default payment method

    *After the offer period ends, the cardholder's subscription will automatically renew for 29 EGP per month on their default card unless they cancel

    Validity:
    Valid for redemption until 30/10/2026

     

    Offer subject to change. Cancel anytime on Prime Central. Amazon.com, Inc. and its affiliates are not sponsors of this promotion. Amazon Prime is 29EGP/month + any taxes after the promotional period.

    Amazon, Amazon Prime and all related logos are trademarks of Amazon.com, Inc. or its affiliates. Offer is only valid once per eligible card per customer.

    HDB

    Terms & Conditions of the Installment Campaign for HDB Credit Cards (No Interest / No Administrative Fees) with Ghabbour – 6-12 Months Plan

    When making a purchase through Ghabbour branches, customers can benefit from the 6-months, or 12-months installment plan by contacting 19995.
    The installment offers are available for both existing and new customers holding Housing & Development Bank (HDB) credit cards (primary or supplementary).
    The offers apply only to transactions executed from the 1st to the 25th day in July, 2026, provided they are settled within the same month and during the campaign period.
    The last date to contact the Customer Care Center to benefit from this campaign is July 30, 2026.
    Transactions made before or after the campaign period are not eligible for installment offers.
    The offers are valid only for transactions made at the participating merchants included in the campaign.
    The minimum eligible amount for installment is EGP 500 per purchase transaction.
    The offer is valid for purchases made at any branch of merchant’s branches.

    Installment Transactions:
    Before completing the transaction, the customer must inform the cashier of the merchant of their desire to pay in installments.
    After completing the transaction, the customer must call the HDB Call Center on 19995 to activate the installment service within the same month of purchase, provided the transaction is settled within the campaign month.
    Installment payments start from September  2026, and the first installment must be paid before September  26, 2026.
    The installment offers are provided without any down payment, interest, or administrative fees.
    To avoid penalties or negative impact on the customer’s credit rating with I-Score, installments must be paid on time.
    HDB reserves the right to amend or cancel the promotional campaign at any time.
    The Bank is responsible for collecting installments from the customer in accordance with the agreed terms.
    The Bank is not responsible for any disputes that may arise between the customer and the merchant.
    Merchants are obliged to provide the products or goods without imposing any additional fees or charges on the customer when completing the purchase under the campaign’s terms.
    The agreed installment period with the participating merchants in the campaign cannot be modified.
    The installment plan will be canceled if the customer requests a refund for the transaction, whether partial or full.
    In the event that a customer benefits from merchant discounts, the installment offer shall not apply
    The customer must notify the HDB Call Center on 19995 that the transaction is subject to installment under the no-interest / no-fee promotional campaign.
    The general terms and conditions of HDB credit cards shall apply.
    To apply, please click here.

    HDB

    Terms & Conditions of the Installment Campaign for HDB Credit Cards (No Interest / No Administrative Fees) with AbdulAziz Stores – 6- 12- Months Plan

      • When making a purchase through Abdulaziz Stores branches or their official websites, customers can benefit from the 6-months, or 12-months installment plan by contacting 19995.
      • The installment offers are available for both existing and new customers holding Housing & Development Bank (HDB) credit cards (primary or supplementary).
      • The offers apply only to transactions executed from the 1st to the 25th day in July, 2026, provided they are settled within the same month and during the campaign period.
      • The last date to contact the Customer Care Center to benefit from this campaign is July 30, 2026.
      • Transactions made before or after the campaign period are not eligible for installment offers.
      • The offers are valid only for transactions made at the participating merchants included in the campaign.
      • The minimum eligible amount for installment is EGP 500 per purchase transaction.
      • The offer is valid for purchases made online through the merchant’s official website or at any branch of merchant’s branches.

       

      Installment Transactions:

      • Before completing the transaction, the customer must inform the cashier of the merchant of their desire to pay in installments.
      • After completing the transaction, the customer must call the HDB Call Center on 19995 to activate the installment service within the same month of purchase, provided the transaction is settled within the campaign month.
      • Installment payments start from September 2026, and the first installment must be paid before September 26, 2026.
      • The installment offers are provided without any down payment, interest, or administrative fees.
      • To avoid penalties or negative impact on the customer’s credit rating with I-Score, installments must be paid on time.
      • HDB reserves the right to amend or cancel the promotional campaign at any time.
      • The Bank is responsible for collecting installments from the customer in accordance with the agreed terms.
      • The Bank is not responsible for any disputes that may arise between the customer and the merchant.
      • Merchants are obliged to provide the products or goods without imposing any additional fees or charges on the customer when completing the purchase under the campaign’s terms.
      • The agreed installment period with the participating merchants in the campaign cannot be modified.

                      ·   The installment plan will be canceled if the customer requests a refund for the transaction, whether partial or full.

      • The customer must notify the HDB Call Center on 19995 that the transaction is subject to installment under the no-interest / no-fee promotional campaign.
      • In the event that a customer benefits from merchant discounts, the installment offer shall not apply
      • The general terms and conditions of HDB credit cards shall apply.
      • For More:  www.abdulaziz-stores.com
    • To apply, please click here. 
    HDB

    Terms & Conditions of the Installment Campaign for HDB Credit Cards (No Interest / No Administrative Fees) with Nagib Selim – 6 - 12- 18 Month Plan

    • When making a purchase through Naguib Selim branches or their official websites, customers can benefit from the 6-months, 12-months, or 18-months installment plan by contacting 19995.
    • The installment offers are available for both existing and new customers holding Housing & Development Bank (HDB) credit cards (primary or supplementary).
    • The offers apply only to transactions executed from the 1st to the 25th day in July, 2026, provided they are settled within the same month and during the campaign period.
    • The last date to contact the Customer Care Center to benefit from this campaign is July 30, 2026.
    • Transactions made before or after the campaign period are not eligible for installment offers.
    • The offers are valid only for transactions made at the participating merchants included in the campaign.
    • The minimum eligible amount for installment is EGP 500 per purchase transaction.
    • The offer is valid for purchases made online through the merchant’s official website or at any branch of merchant’s branches.

     

    Installment Transactions:

    • Before completing the transaction, the customer must inform the cashier of the merchant of their desire to pay in installments.
    • After completing the transaction, the customer must call the HDB Call Center on 19995 to activate the installment service within the same month of purchase, provided the transaction is settled within the campaign month.
    • Installment payments start from September 2026, and the first installment must be paid before September 26, 2026.
    • The installment offers are provided without any down payment, interest, or administrative fees.
    • To avoid penalties or negative impact on the customer’s credit rating with I-Score, installments must be paid on time.
    • HDB reserves the right to amend or cancel the promotional campaign at any time.
    • The Bank is responsible for collecting installments from the customer in accordance with the agreed terms.
    • The Bank is not responsible for any disputes that may arise between the customer and the merchant.
    • Merchants are obliged to provide the products or goods without imposing any additional fees or charges on the customer when completing the purchase under the campaign’s terms.
    • The agreed installment period with the participating merchants in the campaign cannot be modified.

    ·        The installment plan will be canceled if the customer requests a refund for the transaction, whether partial or full.

    ·       
    In the event that a customer benefits from merchant discounts, the installment offer shall not apply

    • The customer must notify the HDB Call Center on 19995 that the transaction is subject to installment under the no-interest / no-fee promotional campaign.
    • The general terms and conditions of HDB credit cards shall apply.
    • To apply, please click here
    HDB

    Terms & Conditions of the Installment Campaign for HDB Credit Cards (No Interest / No Administrative Fees) with Happy Vision – 12- 18 Month Plan

    • When making a purchase through Happy vision branches or their official websites, customers can benefit from the 6- Months, 12-months, or 18-months installment plan by contacting 19995.
    • The installment offers are available for both existing and new customers holding Housing & Development Bank (HDB) credit cards (primary or supplementary).
    • The offers apply only to transactions executed from the 1st to the 25th day in July, 2026, provided they are settled within the same month and during the campaign period.
    • The last date to contact the Customer Care Center to benefit from this campaign is July 30, 2026.
    • Transactions made before or after the campaign period are not eligible for installment offers.
    • The offers are valid only for transactions made at the participating merchants included in the campaign.
    • The minimum eligible amount for installment is EGP 500 per purchase transaction.
    • The offer is valid for purchases made online through the merchant’s official website or at any branch of merchant’s branches.

     

    Installment Transactions:

    • Before completing the transaction, the customer must inform the cashier of the merchant of their desire to pay in installments.
    • After completing the transaction, the customer must call the HDB Call Center on 19995 to activate the installment service within the same month of purchase, provided the transaction is settled within the campaign month.
    • Installment payments start from September  2026, and the first installment must be paid before September 26, 2026.
    • The installment offers are provided without any down payment, interest, or administrative fees.
    • To avoid penalties or negative impact on the customer’s credit rating with I-Score, installments must be paid on time.
    • HDB reserves the right to amend or cancel the promotional campaign at any time.
    • The Bank is responsible for collecting installments from the customer in accordance with the agreed terms.
    • The Bank is not responsible for any disputes that may arise between the customer and the merchant.
    • Merchants are obliged to provide the products or goods without imposing any additional fees or charges on the customer when completing the purchase under the campaign’s terms.
    • The agreed installment period with the participating merchants in the campaign cannot be modified.

    ·        The installment plan will be canceled if the customer requests a refund for the transaction, whether partial or full.

    ·        In the event that a customer benefits from merchant discounts, the installment offer shall not apply

    ·         

    • The customer must notify the HDB Call Center on 19995 that the transaction is subject to installment under the no-interest / no-fee promotional campaign.
    • The general terms and conditions of HDB credit cards shall apply.
    • For More:  www.hvoptics.com
    • To apply, please click here. 
    HDB

    Carrefour Offer Terms and Conditions - For Online Transactions Only

    Offer Eligibility Criteria:

    ·         Pay with HDB Platinum Mastercard at Carrefour online to get 15% discount on unlimited shopping products.

    ·         The minimum purchase amount to qualify for the offer is EGP 1,000 or more, with Discount cap on Platinum cardholders EGP 150, by using Promo code "MA15".

    ·         On reaching the minimum spend for the offer, the customer needs to add the eligible HDB Debit or credit platinum Mastercard cards and Promo code during checkout.

    ·         The discount will apply to the total basket of products sold and fulfilled by MAF Carrefour, for one order every month.

    ·         This offer is valid only for purchases made thought carrefour online and does not apply to purchases made inside branches.

    ·         Purchase reversals, refunds, or transactions are excluded from the offer.

    ·         Discount cannot be applied in conjunction with any other offer; nor combined with vouchers, coupon codes, or loyalty points.

    Eligibility:

    ·         HDB Debit and Credit Platinum Mastercard.

    Validity:

    ·         Valid till 31st December 2026.

    For more details, please visit the following link:

    https://www.carrefouregypt.com/mafegy/en/n/c/clp_mastercard-promotion-egy

    HDB

    Booking.com Offer Terms & Conditions

    Use your Mastercard to book your next staycation or vacation on booking.com’s Mastercard landing page and enjoy up to 7% wallet credit across millions of properties locally and around the world.

    Eligibility:

    ·        Credit Cards: Classic, Titanium, Platinum ™Mastercard® 

    ·        Debit Cards: Platinum (USD/EUR) ™Mastercard® 

    Terms:

    ·        This reward only applies to stays.

    • Travel Credits aren't redeemable for cash and can only be used toward bookings that offer online payment.
    • Your Travel Credits will be awarded by Booking.com.
    • You need a Booking.com account to receive your reward. The email on the account must be the same used for your booking. You can create your account after making your booking.

    ·        All materials should link to the dedicated landing page as this offer is not valid if booked on the main website or app and cancelled and “no show” bookings are not eligible.

    ·        Bookings are only eligible when made through booking.com’s Mastercard landing page. 

    ·        Users should click on the link instead of using the copy paste technique. 

    ·        Credits will reflect in your booking.com wallet in 70 days after completion of the stay at the accommodation.
    A maximum cap of EUR 200 per booking applies.

    ·        Any claim relating to the credit must be submitted within 2 months from the date on which the credit was scheduled to be disbursed. Complaints or claims submitted after this period shall not be accepted

    ·        All conditions of the promotion must be met at the time the booking is made; no retroactive claims will be allowed.

    ·        Genius discount is applicable/stackable with this offer. The amount rewarded will be reflected in the award badge.

    ·        Redemption link: https://www.booking.com/gating/authkey?aid=2439504&key=mjB3VcxhAl

     

    Redeem:

    1. Go to booking.com’s Mastercard landing page, register, or log in
    2. Follow the booking.com prompts and book your accommodation
    3. Your wallet credit will display below the price summary.
    4. Enter eligible Mastercard card details upon checkout. Money will be added to your booking.com wallet in 70 days. 

    Validity:
    The offer is valid till December 31st, 2026

    HDB

    Talabat Offer Terms & Conditions

    Order your food and grocery delivery via the Talabat app and receive 20% off up to EGP 60 on 1 food or grocery delivery order per month when placing the order on the Talabat app and paying with your eligible HDB Mastercard card using the promo code “MASTERCARD”.

     

    The promotion code must be entered at check-out before the payment.


    Eligibility:

    Debit and Credit HDB Mastercard: Titanium and Platinum.


    Redeem:

    1.    Download or open the Talabat app from the App Store or the Google Play Store 
    2.    Select the items you wish to purchase

    3.    At the checkout page enter the promo code MASTERCARD to enable the 20% discount up to EGP 60 on 1 order of food and grocery delivery per month.

     

    Validity:

    Valid till 31st December 2026.

    HDB

    Terms & Conditions of Vehicle Credit Card Program

    First: Eligibility Criteria:

    • Minimum age: 21 years old.
    • Maximum age at the time of reviewing the credit card issuance application: 59 years old.
    • Maximum credit limit: up to EGP 250,000.

    ·       The car's manufacturing year must not exceed 4 years from the date of applying for the credit card, and the vehicle must not have a sale restriction.

    ·       All types of cars are accepted except BYD gasoline cars (Only BYD electric vehicles are accepted).


    Second: Required Documents:

    •          A copy of a valid national ID card.
    •         A recent utility bill.

    ·       Signed credit card application form.

    ·       A copy of the vehicle license (must be owned by the customer).

    • To apply, please click here

    HDB

    Terms & Conditions for the Club Members Credit Card Program

    Eligibility Criteria:
    Minimum age: 24 years. 
    Maximum age at the time of reviewing the credit card issuance application: 59 years old.
    Maximum credit limit: Up to EGP 250,000. 
    Membership type: The applicant must hold a valid club membership; associate/dependent or temporary memberships are not eligible.
    Required Documents:
    A valid copy of the customer’s national ID card.
    A recent utility bill or a residence verification. 
    Signed Credit Card Application form. 
    A copy of a valid Club Membership card or a payment receipt + a copy of an expired membership card, provided it is a valid Membership and not an associate/dependent membership.
    • To apply, please click here

    HDB

    Trip.com Promotion Terms & Conditions

    Save up to 10% on Trip.com with your Platinum Mastercard! Upon using Code: MCTRIP10

    Eligibility:

    ·        Credit Cards: Platinum ™ Mastercard®

    ·        Debit Cards: Platinum (USD/EUR) ™Mastercard®

    Terms:

            The promo code is redeemable up to 3 throughout the promotion period. Please refer to the table below.

            The Offer is valid for consumption on the Trip.com Mobile app only.

             To proceed with the promotion set your settings to Country/Region to Saudi Arabia (SA) and your Currency to US Dollars (USD) (change settings before booking).

            This offer is applicable on round-trip full fare flights excluding taxes & booking fees.

            The promo code excludes “flight+hotel” and “ticket+hotel” packages, pay-at-hotel bookings, and select hotels or room types, especially those from third-party sites.

            There is a minimum booking value that applies.

            Promo codes are non-transferable and cannot be exchanged for cash or Trip Coins.

            This promotion cannot be combined with any other promotions, offers, or discounts.

            If a booking is cancelled, unpaid, or misses the payment window, the promo code may be reissued for use during the promotion period.

            Offer details, Promo codes and caps (in local currencies) apply as displayed in the table below:

    Tier

    Offer

    Caps

    Cap for number of usages during the promotion

    Minimum booking value

    Platinum

    10% OFF Flights and Hotels

    USD 16

    3 times

    USD 165

     

    Redeem:

            Simply download the trip.com app from the App Store or Google Play

            Click ‘Claim’ on the promo code that matches your card type

            Book your flight or hotel and select the promo code form the ‘My Promo Codes’ section.

           Your discount will be confirmed at checkout.

    Validity:
    The promotion period runs until 31/03/2027 for a travel period until 31/03/2028.

    For all other Terms & Conditions, please visit www.trip.com/mastercard

    HDB

    Terms & Conditions of Card-to-Card Program

    First: Eligibility Criteria:

    •       Minimum age: 21 years old.
    •       Maximum age: 59 years old for employees and 64 years old for business owners and self‑employed individuals
    •       Maximum credit limit for the card: up to EGP 500,000.

    ·       A credit limit of up to 150% of the customer’s current credit card limit can be granted.


    Second: Required Documents:

    •        A copy of a valid national ID card. 
    •       Utility bill
    •       Signed credit card issuance application form.
    • To apply, please click here

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