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 up to 40,000 BONUS points, worth EGP 200 (20,000 points awarded after spending EGP 20, 000 in purchases within the first three months of card issuance)

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

More features

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 coverage for total permanent disability, critical illness, risk of death, loss of wallet and personal identification paper as well as travel insurance, with our 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, just show your Heya Credit Card

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

Health & Beauty

10% discount
Dao Derma Clinics

10% discount

Valid until 31/12/2021

Health & Beauty

15% discount
Emma Spa

15% discount

Valid until 31/12/2021

Health & Beauty

Exclusive discounts
Inglot

10% discount or 5% extra discount above running promotions

Valid until 31/12/2021

Health & Beauty

15% discount
La Coupe

15% discount

Valid until 31/12/2021

Health & Beauty

35% discount
Mandara Spa

35% discount

Valid until 31/12/2021

Fashion

Exclusive discounts
Mellow

10% discount or 5% extra discount above running promotions

Valid until 31/12/2021

Fashion

Exclusive discounts
Neutralizer

10% discount or 5% extra discount above running promotions

Valid until 31/12/2021

More details Interest rates and charges on your Heya card

Platinum	Titanium/Heya	Gold	White
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)
Free Supplementary Cards	Free Supplementary Cards	Free Supplementary Cards
Lower Interest Rate	Lower Interest Rate	Lower Interest Rate
Mastercard Airport Lounge Access	Mastercard Airport Lounge Access	Up to 20,000 gift points worth EGP 100*
Purchase Protection	Up to 40,000 gift points worth EGP 200*	1 BONUS Point per EGP 1 spent
Mastercard Emergency Service	2 BONUS Points per EGP 1 spent
Up to 80,000 gift points worth EGP 400*
3 BONUS Points per EGP 1 spent

*Issuance fees will be waived until 31 December 2021.

Credit cards benefits Q & A

Benefits Q and A.pdf 321.5 KB

Important information

Fees and Charges.pdf 1.3 MB

Spending Limits.pdf 193.1 KB

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

Apply online with the below link or complete an application form at one of our branches
Provide the required documents
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

Apply now