Dear Valued Customer,

In our continuous efforts to ensure the safety of your financial transactions, please make sure to use your personal PIN when using Housing and Development Bank credit cards for purchases at all merchants, both inside and outside Egypt. For credit cardholders who have not yet set a PIN, please contact our Call Center to activate your secure code.

Housing and Development Bank offers you a wide range of tailored features and exclusive benefits to meet your financial needs through:

Ø Complimentary Life Insurance: Enjoy free life insurance that covers the outstanding balance on your credit card—offered at no cost to the customer.

Ø Enhanced Security & Online Protection: Our cards are equipped with EMV chip technology and 3D Secure for safe online shopping, using One-Time Password (OTP) authentication for added transaction security.

Ø Free SMS Alerts: Receive instant SMS notifications after every purchase or cash withdrawal, along with automatic reminders for due dates, outstanding balances, and minimum payments.

Ø Worldwide Cash Withdrawals & Easy Usage: Use your card locally and internationally at all point-of-sale terminals and online stores. Enjoy “contactless” payment feature for quick and secure transactions.

Ø Flexible Repayment Options: Benefit from a repayment grace period of up to 56 days, with the flexibility to settle either the full amount or a minimum of just 5% of your monthly statement balance.

Ø Installment Services: Convert your purchases into installments of up to 36 months with some of the lowest administrative fees in the Egyptian market—simply call our customer service team to activate.

Ø Exclusive Offers & Promotions: Access exclusive offers, merchant discounts, and promotional campaigns specially designed for our credit cardholders.

Ø Rewards Program: Enjoy automatic enrollment in our Rewards Program, where you can redeem or convert points into cashback—earn up to 2% cashback on your card purchases.

Ø Supplementary Cards & Premium Privileges: Request up to 4 supplementary cards for family members. The first two are issued free of charge. Enjoy airport lounge access around the world with Mastercard Platinum and Titanium cards (subject to Mastercard’s terms and conditions).

Ø Multiple Payment Channels (Repay your credit card):

- Through Housing & Development Bank ATMs that accept cash deposits. 

- Setting up standing instructions to pay either the minimum amount due or the full outstanding balance by debiting your accounts. You can apply for this service through calling the Customer Care Center at 19995. 

- Payment via internet banking. 

- InstaPay application. 

- Through Fawry Merchants (A payment fee of 0.6% applies, with a minimum charge of EGP 5). 

- Cash payment through Housing & Development Bank branches nationwide, subject to a service fee.

Ø Eligibility Criteria: Available for Egyptian nationals and foreign residents. Minimum age is 21 years for primary cardholders and 15 years for supplementary cardholders.

Ø How to Apply: Visit the nearest Housing and Development Bank branch to apply.

Ø Customer Support: Our dedicated Customer Care Center is available 24/7 at 19995 (within Egypt) or +20219995 (from abroad).

Regulations for Activating and Using Credit Cards Internationally:

Ø International usage of the credit card can be activated through the Customer Care Center by calling 19995, without the need to provide travel documents (subject to the bank’s approved limits).

Ø The currency markup fees on cash withdrawals and purchases in foreign currencies have been adjusted to 3%, effective Thursday, August 14, 2025.

Ø The customer is required to use the card abroad solely for personal and legitimate purposes.

Ø The bank reserves the right to immediately suspend the card and apply the applicable penalties in case of misuse.

Ø The bank retains the right to review the card’s usage at any time.

If the credit cardholder performs repeated transactions with a specific merchant (other than usual transactions) with the purpose of obtaining unqualified loyalty points, the bank has the right to immediately suspend the loyalty points program, without affecting the continued use of the card for permitted transactions in accordance with the bank’s terms and conditions.

Credit card usage for foreign currency transactions through the internet (within Egypt) will be enabled according to the usage limits of each product after 60 days from the credit card issuance date. In case of any issues related to using the card for these transactions, please contact the Customer Care Center at 19995.