HDB Rewards Program
Credit Card Loyalty Points Program:
This is a program that allows credit cardholders to earn points on their purchase transactions made using the credit card. Accumulated points can be redeemed for a monetary value, which is added as available balance for future purchases using the same card.
Program Details:
- Customers are automatically and freely enrolled in the loyalty points program.
- Points are earned on purchase transactions only, whether made inside or outside Egypt.
- Points are accumulated on both the primary and supplementary credit cards.
- 1 EGP spent on purchases = 1 point.
- Minimum redemption threshold is 10,000 points, redeemable in increments of 5,000 points.
- Points are valid for one year.
- Points are calculated after the settlement of the purchase transaction, not immediately after the purchase.
- Points cannot be transferred to another customer.
- Points can only be redeemed by the primary cardholder.
- If the credit card is canceled or the banking relationship is terminated, all accumulated points will be forfeited.
- Customers are not rewarded on real estate installment, and down payments, government transactions, donations, e-wallet top-ups, telecommunications and mobile services, or payments to consumer finance companies.
- The Bank has the right to suspend the customer’s reward points in case of misuse of the credit card for purposes other than its intended use, such as conducting commercial transactions.
