MasterCard (Credit Card)
Housing and Development Bank provides you with a credit card with the lowest interest rate and the longest grace period
Enjoy paying for all your purchasing requirements and settling the purchases during its 55 days without interests.
- A flexible grace period of up to 56 days combined with a competitive return rate of up to 4% every month.
- Four additional cards could be dispersed, with the first two cards being issued for free
- Choose an installment plan of up to 36 months with a competitive return. For more information, please contact us on 19995
- Access to a lot of airport VIP lounges worldwide. In addition to, getting beneficial discounts on some restaurant and lodging establishments locally.
- Pay with Tap + Go contactless for your small daily transactions. Just swipe the card at the POS machine without a PIN.
- You can make online purchases safely, using our 3D-Secure feature.
- Shopping safely using your smart chip and private PIN.
- Utilize the card to withdraw cash and purchases domestically and abroad with a value of 100% of the credit limit.
- Free SMS following each transaction or withdrawal and a free monthly reminder message to clarify the minimum payment.
- A minimum of 5% can be settled throughout the course of monthly installments.
- Free life insurance coverage for the remaining amount due.
Credit Classic
| Daily | Monthly | |
|---|---|---|
| 100$ | 500$ | Purchase USD |
| 30$ | 30$ | Cash USD |
Credit Titanium
| Daily | Monthly | |
|---|---|---|
| 100$ | 1000$ | Purchase USD |
| 30$ | 30$ | Cash USD |
Credit Platinum
| Daily | Monthly | |
|---|---|---|
| 200$ | 2000$ | Purchase USD |
| 30$ | 30$ | Cash USD |
Credit Royal
| Daily | Monthly | |
|---|---|---|
| 200$ | 2000$ | Purchase USD |
| 60$ | 120$ | Cash USD |
International Use
of Credit Cards:
- International usage of credit cards can be activated through the Customer Care Center at 19995 without the need to submit travel documents (subjected to the usage limits set by the bank).
- It is possible to adjust the international usage limits of credit cards to USD 500 per month (for online E-Commerce transactions within Egypt) by contacting the Customer Care Center at 19995.
- The currency markup fees on cash withdrawals and foreign currency purchases have been revised to 3%, effective from Thursday, 14/08/2025.
- The cardholder is required to use the card abroad for personal and legitimate purposes only.
- The bank has the right to immediately suspend the card and apply the prescribed penalties in case of proven misuse.
- The bank reserves the right to review the card usage at any time.
- The bank may request the cardholder to provide travel documents (such as passport, entry visa, or flight ticket) at a later date.
- If the cardholder fails to submit the requested documents within 5 business days from the date of the request to the email hdb_customer_care@hdb-egy.com, the bank shall take the necessary actions in accordance with the applicable rules and regulations.
Cash Back service on credit cards:
Enjoy of credit cards cashback program, which lets you earn
reward points for every purchase you make, nationally or internationally, based
on the following:
Service specifications:
- Customer registration on the Cashback program occurs automatically and without any charges
- Points are only awarded for purchasing transactions made within or outside of Egypt.
- Points are awarded for purchases on either the primary card or supplementary cards
- Spend one Egyptian pound, get one point.
- Minimum redemption points: 10,000 points and incremental of 5,000 points
- Points have only a year-long validity.
- No points are awarded for government transactions, donations, gas stations transactions, telecoms and mobile wallets or BNPL installments.
- Points are counted after the purchase transaction is settled, not after the purchase is made
- No consumer may transfer their points to another.
- Points can be redeemed by the primary card holder only
- In case of the terminating the card or all deals with the
bank, points will be cancelled automatically
·
Loyalty Points Value:
For each 1000EGP worth
of purchases, a reward of a pound is given out.
|
Classic |
Titanium |
Platinum |
|
|
10 EGP |
15 EGP |
20 EGP |
Kindly contact our Call Center on 19995
Terms and conditions applied.
Interest-free installment service for purchases with
minimal administrative expenses on credit cards:
Enjoy interest-free, installment with minimal administrative
fees for any purchases you make from anywhere, with installment periods ranging
from 3 to 36 months.
Steps necessary to pay a purchase in installments:
1. Purchase whatever you want from any store for an amount of at least 500 EGP.
2. Call the Customer Care Center on 19995 and request installments for your purchase.
3. Choose the payment plan that suits your needs between (3 – 6 – 9 – 10 – 12 – 18 – 24 – 30 – 36) months
4. Once, administrative costs are subtracted from the initial installment, and after that, the entire purchase transaction amount is paid throughout the course of the installment period in equal installments without interest
Part pertaining to credit cards, detailing interest-free payment plans for purchases:
Installments are applied only to purchase transactions, not cash transactions.
Installments are provided to the customer after ensuring that the purchase transaction has been settled.
Purchase transactions are divided into installments in the same month in which the transaction was settled.
Purchase transactions cannot be divided into installments if the customer requests installment in the following month after settlement.
The latest contact date for customer service to enjoy installment services is the day before the last working day of the month in which the transaction was settled.
For more info, call 19995
Interest Rate for the Credit Cards has been amended to be 4%, effective June 1st., 2025.
| Credit Card Titanium | Credit Card Classic |
|---|---|
| Worldwide Purchasing Power | Worldwide Purchasing Power |
| Installment Payment System | Installment Payment System |
| Up to 4 additional cards | Up to 4 additional cards |
| Interest rate of 4% per month | Interest rate of 4% per month |
| Access to MasterCard airport lounges | - |
| "Discount on Airline Tickets | - |
| Discount on hotel reservations Hotels.com | - |
| Discounts on chauffeur-driven trips from Careem | - |
| MasterCard Buy 1 Get 1 Offers | - |
| Classic | titanium | Platinum | |
|---|---|---|---|
| Credit limit EGP | 2,000 : 19,999 | 2,000: 69,999 | 70,000: 1,000,000 |
| Issuance / renewal fees | 150 | 300 | 400 |
| Replacement expenses for lost / damaged | 100 | 200 | 300 |
| Supplementary Card Issuance | 4 cards | ||
| Interest Rate - Point of Sale and Automated Teller Machines | 4% | ||
| Withdrawals and purchases outside and inside Egypt | 100% credit limit | ||
| Cash withdrawal commission inside Egypt | 2% with a minimum of 20 g | ||
| Cash withdrawal commission outside Egypt + currency management | 3% minimum 20 EGP + 5% currency management |
The following documents are to be submitted:
- National no. card.
- Statement of the monthly salary or annual income.
- Documents evidencing the permanent residence address.
- Filling in the card application form.