Features Choose what suits your character the most!

Choose from three different designs and enjoy an exciting shopping experience with exclusive offers


The discounts you want

Exclusive discounts up to 40% across a wide range of exclusively selected women-related merchants 

Your welcome BONUS 

Earn 20,000 BONUS points worth EGP 100 as a welcome gift when you use your card in a retail purchase within the first 2 months of issuance. 

Extra 20,000 BONUS points worth EGP 100 when you spend EGP 20K within the first 3 months of issuance. 

** This welcome reward kit is rewarded once to the newly issued credit cards and doesn’t apply in case of card upgrade.

Earn BONUS Points Fast!

You will earn two BONUS points for each 1 EGP you spend to be used at any of our partner merchants.

Live without worries

Enjoy automatic enrollment in 'Heya' life insurance to a value of EGP 25,000

Supplementary cards with no extra fees!

You can now apply to up to 4 supplementary cards with no extra fees for your first-class family members. Issued cards for males will be in ‘Titanium’ card design.

Exclusive Mastercard offers

Complimentary "Buy One Get One" 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

Exclusive CIB offers

Access to exclusive CIB offers, discounts and installments, with our partner merchants

Benefits Exclusive benefits for you

The benefit of insurance

Get Insurance Coverage with Credit Shield Program from AXA which covers life, total permanent disability, critical illness, loss of keys and personal identification paper, illegal use of your credit card as well as theft of electronics. For subscription, please visit Credit Shield.

Protect your credit

Up to EGP 1 million insurance cover on your card's outstanding balance

Your companion all over the world

Use your Heya card to make all your purchases on vacation. You will also gain free access to over 15 airport lounges, and travel in luxury, regardless your ticket category. To enjoy a new seamless digital experience via the MasterCard Travel Pass app. Generate a QR code through the app or if you’re offline, share your membership number from the app. To download the application, click here

Tap to pay with CIB Contactless Cards

Now, with just a simple tap you can pay for your everyday small purchases up to EGP 600 without needing to enter the PIN for purchases. To know more about the merchants who support the new Contactless feature, click here.Interested to know more about CIB Contactless feature, check our FAQs, click here.

Offers Discover the newest offers with CIB 'Heya' card

The exclusive CIB offers that your 'Heya' card will give you access to

More details Interest rates and charges on your Heya card

Platinum Titanium/Heya Gold White CIB noon
World Wide​ Purchase Power World Wide​ Purchase Power World Wide​ Purchase Power World Wide ​Purchase Power World Wide ​Purchase Power
Installment Payment Plan (EPP) Installment Payment Plan (EPP) Installment Payment Plan (EPP) Installment Payment Plan (EPP) Installment Payment Plan (EPP)
​Free Supplementary Cards ​Free Supplementary Cards ​Free Supplementary Cards ​Free Supplementary Cards
Mastercard Airport Lounge Access Mastercard Airport Lounge Access Up to 20,000 gift points worth EGP 100 Visa Airport Lounge Access
​Purchase Protection Up to 40,000 gift points worth EGP 200 1 BONUS Point per EGP 1 spent 1.5 BONUS Point per EGP 1 spent outside noon
Mastercard Emergency Service 2 BONUS Points per EGP 1 spent Spend more than EGP 60k/year and have your annual renewal fees waived
Up to 80,000 gift points worth EGP 400 EGP 100 cashback when you perform your first retail transaction within the first 60 days of card activation
3 BONUS Points per EGP 1 spent        
​Lower Interest Rate        


Requirements What you need to get your Heya Credit Card

Request a Heya Credit Card and our team will be in touch within 48 hours
  • For Egyptians and non-Egyptians
  • Above the age of 21 and below 65*
  • Salaried, self-employed, and professionals

*Terms and conditions apply

** Some programs require a max age of 60

  • Copy of valid National ID
  • Recent utility bill (within the past 3 months)
  • Income proof (an HR letter or 3 pay slips within the past 6 months)
  • Other documents may be requested
  1. Apply online with the below link or complete an application form at one of our branches  
  2. Provide the required documents     
  3. If your application is approved, you will receive a confirmation SMS and the Credit card will be delivered to the address you mentioned in the application form
Learning center Useful banking tips

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