Purchase or renew the 3-year Al Qema Certificate now with annual return of 16%, paid on monthly basis, and receive 1.5% of the certificate value upfront in the form of loyalty points. Points may also be redeemed as cashback, in accordance with the governing terms and conditions, through the rewards program, allowing customers to benefit from their value through a wide network of merchants and Banque Misr partners.

Certificate Features

* The certificate is issued to individual customers.

* The certificate tenor is 3 years.

* The return is paid monthly.

* The return calculation starts on the business day following the purchase date.

* The current return rate is 16%.

* The return type is fixed.

* The certificate may not be redeemed for 6 months.

* Loans may be granted against the certificate up to 90% of its nominal value.

Loyalty Points Calculation Mechanism

* Loyalty points are calculated at 3,000 points per EGP 1,000 upon purchasing or renewing Al Qema Certificate, with a monthly return for debit cardholders.

Points Utilization

* Points may be used through the bank's network of contracted merchants under the loyalty points program or redeemed for cashback.

Timing of Awarding Points

* Loyalty points shall be credited to customers within 2 business days, up to a maximum of 5 business days, after purchasing or renewing Al Qema Certificate, with a monthly return.

This campaign will be launched on Tuesday, March 24, 2026, for one month.