CIB>>Personal>>Cards>>CIB 'Heya' Credit Card

CIB 'Heya' Credit Card

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​With 'Heya' choose what suits your character and enjoy limitless shopping...

​Choose from the three new designs of 'Heya' credit card from CIB and enjoy  an exciting shopping experience and exclusive offers

CIB designed the 'Heya' credit cards exclusively to fulfill your daily needs and introduce you to an exciting banking experience.

This premium card grants you a vast bouquet of highly selected offers, privileges and services, to enrich your lifestyle.

With 'Heya' Credit Card, you are empowered to choose the design that suits your character.

CIB 'Heya' Credit Card Benefits and Features:

  • Exclusive discounts up to 45% across a wide range of selected women related merchants
  • Automatic enrollment in 'Heya' life insurance to a value of EGP 25,000
  • Up to EGP 500,000 insurance cover on the card outstanding balance
  • Unlimited complimentary access to airport lounges at select airports across the Middle East, regardless your ticket category, just show your CIB 'Heya' credit card
  • Complimentary Buy 1 Get 1 offers through MasterCard mobile application that you can
  • download from the Apple Store or Google Play in order to find out the latest offers and benefits.
  • Up to 4 Free Supplementary cards for your beloved family members
  • Installment Payment Plan up to 36 months with lower interest rates
  • Travel Desk Service through the CIB Call Center 19666
  • Free monthly payment reminder SMS service

Spend and Get CIB BONUS Points, with a value higher than the card's annual membership fees:

  • ​More than 20,000 gift BONUS points to be redeemed for gift vouchers, cash-back or travel from a comprehensive online travel portal
  • 2 BONUS points for every EGP 1 spent on purchases using CIB 'Heya' credit card​
​​Sign up BONUS Points*​20,000​
​Spend BONUS Points**​​20,000
​Earned Points on Spend:​
Two points for every EGP 1
​(20,000x2) = 40,000
​Total Earned Points​80,000
​Total Value (EGP)​400
​Annual Membership Fees (EGP)​200
​Net Customers’ Earning (EGP)​​200​

​* Signup BONUS Points are awarded after the first purchase transaction within two months of the card issuance date.

** Additional spend BONUS points are earned when your total purchases reach EGP 20,000 within three months from card issuance date.

You can enjoy shopping at the participating merchants in CIB BONUS points program, and pay using CIB BONUS voucher.

       Merchants Heya.jpg

To view the full list of participating merchants in BONUS Program, please visit​​​

To view the full list of discounts & offers, please click here.​

'Heya' Credit Card Fees and Charges:​

​​Annual Membership Fee​EGP 200​​
​Replacement Fee​EGP 75​​
​Life Insurance
EGP 5 per month
​Insurance On Outstanding Balance ​EGP 5 per month​
​Monthly Interest Rate​2.69% 

To apply for 'Heya' credit card, send the word 'Heya' to 16644.

Terms and conditions apply