Banquemisr - Classic Credit Card

Benefits:

Card can be issued with in-kind warranty or personal guarantee
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 56 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
Internet banking

Offers you promotions and discounts in the fanciest shopping centers inside and outside Egypt, through Priceless Specials for MasterCard Credit 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.
Purchasing using Contactless technology to make your shopping safe, fast and easy
Enjoy interest-free installments up to 60 months for purchases at our partnered bank merchants
International usage is available after 2 months for credit cards following their date of issuance.

Credit Cards

limits	Details
Limit of Online Purchasing Inside Egypt	Within the card credit limits with Maximum 400000 EGP per Month with a limit of 12 times daily
Limit of Online Purchasing Outside Egypt (In case the customer has not informed the bank of the travel) (within the monthly purchase limit outside Egypt)	10,000 EGP Monthly with a limit of 8 times daily
Contactless purchase limit without pin inside Egypt	600 EGP per transaction with maximum 15 consecutive transaction
Contactless purchase limit without pin outside Egypt	Equivalent to 50 USD per transaction with maximum 15 consecutive Transaction
Local purchase transactions	Within the card credit limits
International purchase transactions (In case the customer has informed the bank of the travel) (E-commerce - POS)	50,000EGP Monthly
International monthly purchase limit ((in case the customer hasn’t informed the bank of the travel)	10,000EGP Monthly
Local cash withdrawals (ATM)	EGP 30000 Daily
P.O.S cash withdrawal from BM Branches	With max limit 250000 Daily
International cash withdrawals (In case the customer has informed the bank of the travel)	3000 EGP Monthly

Fees and charges	Details
Issuance	EGP 250
Renewal	EGP 250
Supplementary cards issuance and renewal	EGP100
Reissuance of are placement for lost or damaged cards	EGP100
Cash withdrawals through BM ATMs and P.O.S and other banks’ machines within Egypt	2% of the amount withdrawn with minimum EGP15
Inquiry about the available balance via BM ATMs	Free
Inquiry about the available balance via Other banks’ ATMs inside Egypt	EGP 1 per transaction
Inquiry about the available balance via ATMs outside Egypt	EGP 3 per transaction
Interest rate	4% monthly
Penalty for delay	EGP75
Exceeding credit limit	EGP75
Cash withdrawals outside Egypt	3% of the transaction’s value + EGP 50 per transaction
Commission for 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
Upgraded credit cards fees	50% of the issuance fees (first three years)

Tenor	Interest Rate on Purchases and Cash Withdrawals:
3	2.81%
6	2.77%
9	2.76%
12	2.73%
18	2.67%
24	2.63%
36	2.56%

Classic Credit Card