Credit cards results
You can request a clearance after 45 days of post-card closure.
Find the EPP Terms and Conditions here.
- 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.
CIB is offering various installment programs that fit all customers’ needs:
Single Transaction
Cash on Phone
Balance Transfer
Installments at merchants
0% Installments
No, the service is available exclusively for the primary cardholder.
BONUS points are reflected within 2 to 3 working days. Miles are reflected within
four weeks from the statement closing date. Cashbacks are reflected on the 25th
of each month.
All customer purchases are qualified for loyalty rewards even if enrolled in
installments, except governmental transactions, cash transactions (including cash
on phone and balance transfer), smart wallet and bill payments on ATMs as they
are not qualified for loyalty in the first place.
Supplementary international spending is counted under the main limit assigned for
the primary card.
You can contact our hotline at 19666 using the registered mobile number and sign
into our free IVR service to set up a PIN directly without the need to look for an
ATM.
For ATMs at branches, you can visit the branch the next day to receive your card back
after showing your valid ID. For off-site ATMs, in case your card is captured in Cairo & Alex
regions. You’ll receive an SMS with the details on the central vault location to receive the
card.
You can check the transactions on hold through our call center.
The plan might be automatically settled early if two consecutive payments are
missed or if more than two installments are overpaid. This early settlement could
incur early settlement fees if the canceled plans are with interest.
If there is any discrepancy, please contact the call center for clarification and
investigation with the merchant via a complaint.
You will be charged with mark up fees when perform transactions in a foreign currency, noting that all transactions outside of Egypt are charged with markup fees.
Credit cards are not canceled, but they may be stopped (temporarily or permanently) for many reasons, including:
The customer didn't pay the due amounts for more than 30 days after the due date.
The customer has a legal issue, I-score, a negative list, etc.
The card may be stopped due to lost, stolen, suspicious transactions, etc.
The standard for card delivery is within 8 working days while the premium cards
are delivered within 5 working days.
The primary cardholder can change the mobile number registered on the supplementary
card unless the supplementary cardholder is already a primary credit cardholder. In this
case, the supplementary cardholder needs to contact the call center to change the mobile
number on his primary credit card and this change will reflect automatically across the
system on all his cards.
The payments will be reflected in the previous statement. For example: if the May
statement starts on day one and ends on day 31, and a payment is made on day
20, this will reflect in the previous statement which is April.
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