Credit cards results
If your direct debit account has sufficient funds on the due date, the payment will
be processed automatically as the requested direct debit (5% or 100%).
This depends on the responsible party that receives employees bank cards at
your workplace. In most cases, the HR department receives them on behalf of
employees.
You can exceed up to 5% above your credit card limit, but over-limit fees will
apply. You can check the fees through the following link: https://cib.eg/4z1.
Please visit your nearest CIB branch and provide required increase guarantee documents, such as income statement or new amounts in the form of a CD or TD, to assign increase limit request.
If you forgot your PIN, please contact the call center to reset the PIN then visit the
nearest CIB ATM to create the PIN. This can also be done directly through the
IVR.
If you encounter an error during activation, please retry again and ensure that your
mobile isn’t restricted from sending messages. If the problem persists, please
follow the instructions for activation through the IVR service.
Yes, the bank has a program for non-salary transfer customers.
Please visit your nearest CIB branch to inquire about the detailed required
documents. The general requirements to apply are a valid ID, valid income proof.
A late charge fee will be applied in addition to the interest on the total due
amount in the statement. Please check the following link to know the fees applied
depending on your card type: https://cib.eg/4z1.
Yes, the bank has a program for professionals. Please visit your nearest
CIB branch to inquire about the detailed required documents. The general
requirements to apply are a valid ID, valid income proof, and a valid commercial
register.
A convenient insurance product that covers total permanent disability, critical illness, risk of death, loss of wallet and personal identification paper, as well as travel insurance. For more information, please call 19666 or visit your nearest CIB branch.
If you have multiple cards, you can request to consolidate the limits of your existing cards
under the same credit card program. The request can be submitted through the call center
or branch and will be processed within 3 to 5 working days.
Yes, the bank has a program specifically for professionals. Please visit your
nearest CIB branch to inquire about the detailed required documents. The generic
requirements to apply are a valid ID and valid income proof, a valid syndicate ID,
and a clinic/pharmacy license.
The interest will be on the total due amount in your statement if you don’t pay it
in full. The monthly interest rate varies based on the card type. You can find out
more details on the interest rates applied here: https://cib.eg/4z1.
You’ll be charged 0.8% of the due amount in your statement. With minimum EGP8
if customer is enrolled in Credit shield or 0.65% with minimum EGP487.5 in case
customer is enrolled in Credit shield plus. You can check more details on the
program and the recurring fees applied here: https://cib.eg/524f10.
You can request to change your billing cycle for any card product through the call center or
branch except cashback, World, World Elite, and EgyptAir cards. Here the active EPPs will
be cancelled and the new card fees will be imposed. The request will be processed within 3
to 5 working days.
- The service is provided for e-commerce transactions and purchases performed through the Point of Sale (POS) through the merchants.
- The credit cardholder has to request the zero interest installments from the merchant before processing the transaction.
- The minimum transaction amount is determined by the merchant.
- The installment repayment period is determined based on the deal between the Bank and the merchant.
- There is no maximum number of enrollments in the Installment Payment Plan service as long as they are within the card’s credit limit.
- The first installment is due on the month following the month of enrollment.
- The installment is posted as part of the due amount, which is the installment/s plus the minimum amount due out of total non-enrolled balance in the Installment Payment Plan, if any.
- The cardholder should adhere to the monthly installments. If the principal amount of the Installment Plan is settled before maturity date, the service will be automatically canceled.
- This service will not be available if the card is over limit, delinquent, and/or suspended. Active services might be automatically canceled for the same reasons.
- The refunded transactions do not cancel the enrolled transactions in the installment plan. The customer must contact the call center on 19666 to proceed with the cancellation process.
In case there is no one to receive the card at the delivery address, the undelivered
cards are returned to the bank. For redelivery, you need to contact the bank’s call
center within a maximum of three months of the failed delivery. After that your
card will be stopped and if you want to redeliver it, you’ll be charged for the new
replacement card.
The eligibility for the fee waiver is determined by the bank policy and the refund
could be 50% or 100% of the issuance fees except for World, World Elite, and
EgyptAir cards. To get the refund, you need to activate your credit card within the
first three months of issuance then the refund will be processed on the following
month from activation. The refund is for the issuance fees only.
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