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
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 benefitsExclusive CIB offers
Access to exclusive CIB offers, discounts and installments, with our partner merchantsBenefits Exclusive benefits for you
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
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 |
Credit cards benefits Q & A
Important information
Requirements What you need to get your Heya Credit Card
Request a Heya Credit Card and our team will be in touch within 48 hoursLearning center Useful banking tips
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