Gold Credit Cards




  • Card can be issued with in-kind warranty or personal garantee

  • Card usage in both local and international purchase transactions and cash withdrawals in addition to payment in Egyptian pound.  

  • The ability to use 100% of the card credit limit in cash withdrawals.

  • Possibility of issuing a number of supplementary cards.

  • The ability to use the card over the internet.

  • Enjoy the longest grace period up to 57 days.

  • Offers you the lowest payment limit with 5% of the monthly usages.

  • Card transactions can be paid through any of Banque Misr cash deposit ATMs.

  • Card transactions can be paid at any of the BM branches available all over Egypt, and can be paid any day all over the 24 hrs. at any of BM branches located in Airports and Hotels.

  • Offers you promotions and discounts in the fanciest shopping centers inside and outside Egypt, which are specified in the following applications:-

    • MasterCard buy 1 get 1 application for MasterCard Credit Cards

    • Visa Explore application for Visa Cards

  • Free SMS service after each card transaction in addition to issuing a monthly transactions statement showing the debit value and minimum payment limit as well as credit card issuance or renewal.

  • Installment payment for card purchase transactions and cash withdrawals up to 36 months with special interest rate.

  • Enjoy interest-free installments up to 6 or 12 months for purchases at many merchants Clickhere to view list of merchants

  • Earn reward points through domestic and international spends, which can be redeemed through the following:

    • Travelling All Over the World (Airline Tickets- Hotels-Car Rent)

    • Electronic vouchers for purchases made at any of BM partner merchant outlets.

    • Attaining many special products from BM partner merchant outlets through visiting BM Rewards Club website, which will couriered to your registered address

    • Recharging Mobile Credit

To register and manage your points, please visit: or call 19888


Usage limits


Local purchase transactions

Within the card credit limits

International purchase transactions

Within the card credit limits

Local cash withdrawals (ATM)

EGP 16000 daily:

 EGP 8000 from BM ATMs

 EGP 8000 from other banks’ ATMs

P.O.S cash withdrawal from BM Branches

Within the card credit limits

International cash withdrawals

USD 2000 monthly


Credit Limit

  • Enjoy credit limit starting from EGP 3000 up to less than EGP 10000


Fees and charges



EGP 200


EGP 100

Supplementary cards issuance and renewal

Free of charges with maximum 2 cards and EGP 100 for any additional card exceeding the 2 supplementary cards 

Reissuance of a  replacement for  lost or damaged cards

EGP 75

Cash withdrawals through BM ATMs and P.O.S and other banks’ machines within Egypt

2% of the amount withdrawn with minimum EGP  15

Inquiry about the available balance via BM ATMs


Inquiry about the available balance via Other banks’ ATMs inside Egypt

EGP 1 per transation

Inquiry about the available balance via ATMs outside Egypt

EGP 3 per transation

Interest rate

2% monthly

Penalty for delay

EGP 50

Exceeding credit limit

EGP 30

Cash withdrawals outside Egypt

3% of the transaction’s value + EGP 50 per transation

Transactions outside Egypt (cash withdrawals – purchases)

3% of the transaction’s value

Disputing on any transaction through (Fax, Email or Call Centre) and it is proven that the customer is not entitled to dispute on such transaction

EGP 50

Printing certified transactions statement starting from the following month

EGP 20

Requesting clearance letter, certificate of indebtedness or to whom it may concern letter

EGP 50


Installment Services


Number of Months

Interest Rate on purchases

Interest Rate on cash withdrawal

6/12/24/36 months

1.7% per month on the basis of declining balance interest

2.17% per month on the basis of declining balance interest




In case the customer wishes to pay-on installment for a processed transaction, then the following procedures shall be applied:

  1. Cash withdrawal transaction is carried out through credit card according to the card available balance.

  2. During the performance of cash withdrawal transaction BM call center will be contacted in order to request the installment of transaction.

  3. Early repayment fees of 4% are applied in case the customer has paid the value of his installment.

  4. Cash withdrawal charges calculated on the customer’s credit card and related to the amount requested to be paid-on installment will be refunded.