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Companies Cards

Corporate Credit Card

Card definition

 

Credit card with “MasterCard” logo. It can be issued for:

 

  • Companies granted credit facilities from the bank. It can also be issued for companies that have not been granted credit facilities after conducting the necessary inquiries “Corporate Credit Card”.
  • Traders contracted by the bank or the employees they select “Business Credit Card”.

 

Card features

 

No additional cards may be issued for this type of cards; each card is issued separately with a separate credit limit

Additional cards

All card usage payments are due on the specified date one month after the usage

Payment due date

Due payment is to be fully settled on monthly basis by automatic deduction from the trader’s/company’s account, with their approval, as follows:


  • Deduction from debit current account, for traders whose collected proceeds are added to their accounts.
  • Deduction from the trader’s account “Account 45”, with the branch issuing a cheque with the value after deducting the card’s amounts payable, in case of traders paid in cheques.
  • Deduction from credit current account, in case companies granted credit facilities.

Payment methods

  • 24 months, for Business Credit Cards.
  • 12 months, for Corporate Credit Cards.

Card validity

Card will be suspended in the event of two late full payments, and will not be reactivated until the full due payments are settled

Card suspension

 

Card financial limits

 

  • A minimum card balance of 2,000 EGP.
  • A maximum card balance of 150,000 EGP.

 

Credit Corporate Card

Credit Business Card

Item

 

Within the card credit limit

 

Purchases inside Egypt*

Purchases outside Egypt*

40% of the credit limit with a maximum of 10,000 EGP monthly

10,000 EGP daily from ATMs (Banque Misr – Other banks)

Cash withdrawal inside Egypt from ATMs (Banque Misr – Other banks)*

40% of the credit limit with a maximum of 10,000

According to the credit card limit

Cash withdrawal inside Egypt from P.O.S machines (Banque Misr – Other banks)*

$2,000 monthly

Cash withdrawal outside Egypt from ATMs and P.O.S machines*

 

*Withdrawal and purchases limits may vary according to the bank policies.

Please visit Banque Misr’s website www.banquemisr.com to view them.

 

General conditions

 

Credit Corporate Card

Credit Business Card

Item

Not less than two years

Not less than one year

Length of the period the trader/company has been dealing with the bank

Not less than three years

Not less than two years

Trader/company practice period

Can only be granted to the entity owner or joint partners

Individual establishments, partnership companies and limited partnership companies

One card for each employee specified by the trader/company

Joint stock companies

Not less than 21 years and without a maximum age limit

Age of card holder

None

Minimum time of residing in the current address

 

Required documents

 

Credit Corporate Card

Credit Business Card

Issue request signed by the customer and the card holder

General agreement contract between the company and the bank

Financial statements of the trader for the last year

Commercial register copy

Card holder’s National ID copy or passport for foreigners

 

Signature of trader and card holder of order paper, in addition to completing a delegation form to sign the order paper

 

Corporate Debit Card

 

Card definition

 

Debit card with “Visa” logo, with a smart secure chip, and the name of the company and cardholder printed on it.

It can be issued to:

  • Companies that own Banque Misr accounts and request a card to be issued for certain employees to settle the company’s different payments.
  • Traders contracted by the bank to settle the payments performed through payment cards at their end. The card(s) is issued for them or any of their employees that they specify beforehand, to settle the company’s different payments.
  • All trade outlets that deal with suppliers to get their goods.

 

Card features

  • No additional cards may be issued for this type of cards; each card is issued separately.
  • Can be used for cash withdrawals and purchases inside and outside Egypt.
  • No commissions for purchases inside Egypt.
  • Five-year card validity.
  • All limits and commissions for debit cards apply.
  • This card is issue in the name of both the cardholder and the company owning the account.

 

Usage limits inside and outside Egypt

 

Item

Usage limit

Purchases inside Egypt

According to the balance available in the account

Purchases outside Egypt

$15,000 monthly

Cash withdrawal inside Egypt from ATMs (Banque Misr – Other banks

5 times daily, with a daily maximum amount of 10,000 EGP

Cash withdrawal inside Egypt from P.O.S machines (Banque Misr – Other banks)

According to the balance available in the card/account

Cash withdrawal outside Egypt from ATMs and P.O.S machines

$2,000 monthly

 

Corporate Deposit Card

Card definition

Deposit card with “Visa” logo, with a smart secure chip, and the name of the company and card holder printed on it. It can be issued for Legal persons who own Banque Misr accounts and request a card to be issued for certain employees to receive the company’s deposits.

 

Card features

  • Instant daily deposits through Banque Misr ATMs that offer the deposit service (476 machines) all over Egypt, around the clock (24/7) with a maximum limit of 40 banknotes from any category per a single deposit and with no limit for the number of deposits per day.
  • Cash deposits through P.O.S machines through Banque Misr branches all over Egypt during working hours.
  • No cash withdrawals, purchases, or balance inquiry may be performed for the account linked with the card. 
  • A text message is sent via SMS to the mobile number linked with the card to confirm the deposit.
  • Five-year card validity Renewable.

 

Corporate Prepaid Card

Card definition

Prepaid card with "Meeza" logo, with a smart secure chip. It may be "Named" upon request, where the name of the company and card holder will be printed on it, or "Unnamed". It can be issued for:

  • Companies that own Banque Misr accounts and request a card to be issued for certain employees or beneficiaries to settle the company's different payments.
  • Traders contracted by the bank to settle the payments performed through payment cards at their end. The card(s) is issued for them or any of their employees that they specify beforehand, to settle the company's different payments.
  • All trade outlets that deal with suppliers to get their goods.
  • Legal persons who wish to transfer money to beneficiaries.

Card features

  • Cash withdrawals, purchases, balance inquiry, "Fawry" payments inside Egypt.
  • The card is not activated upon issuance; the card holder activates it at any bank branch.
  • No commissions for purchases inside Egypt.
  • Five-year card validity. Not renewable.
  • Financial amounts can be added to the card through "CorPay" system. The card holder can also make deposits through Banque Misr ATMs, and through the bank branches during working hours.


Card financial limits

  • Cards can be issued for cash withdrawals with a maximum limit of 50,000 EGP daily and 100,000 EGP monthly, provided that the card holder has completed the Full KYC form.
  • A maximum card balance of 20,000 EGP, provided that the card holder has completed the Light KYC form.
  • Cash withdrawals with a maximum daily limit of 8,000 EGP and purchases with a maximum daily limit of 2,000  EGP, provided that the card holder has completed the Light KYC form.

 
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