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Titanium Credit Card

 
Benefits
  • Card can be issued in-kind warranty or personal guarantee.
  • Card usage in both local and international purchase transactions and cash withdrawals in addition to payment in Egyptian pound.  
  • The flexibility to use 100% of the card credit limit in cash withdrawals.
  • Possibility of issuing a number of supplementary cards.
  • The ability to use the card over the internet
  • Enjoy the longest grace period up to 56 days.
  • Offers you the lowest payment limit with 5% of the monthly usages.

  • Card transactions can be paid through:
  • Any of Banque Misr cash deposit ATMs.
  • Card transactions can be paid at any of the BM branches available all over Egypt, and can be paid any day all over the 24 hrs. at any of BM branches located in Airports and Hotels.
  • Internet banking

  • Access to VIP Lounges in up to 10 International Airports contracted with MasterCard by downloading the MasterCard travel pass application
  • Offers you promotions and discounts in the fanciest shopping centers inside and outside Egypt, which are specified in the following applications: -
  • Priceless Specials application for MasterCard Credit Cards
  • Free SMS service after each card transaction in addition to issuing a monthly transactions statement showing the debit value and minimum payment limit as well as credit card issuance or renewal.
  • Enjoy interest-free installments up to 60 months for purchases at many merchants
  • Purchasing using Contactless technology to make your shopping safe, fast and easy
  • International usage available after 6 month for credit card that has been issued since 20 Dec 2023 
  • Automatic Enrollment in BM Rewards and enjoy special rewards and offers
  • Earn 15,000 welcome points
  • Earn 2 points for every EGP spent on domestic spend
  • You can easily redeem your points with:
  • Electronic vouchers to use at any of our BM partner merchant outlets.
  • Cash back to your credit Card
To register and manage your points, please visit:www.bmrewardsclub.com  

  

Usage limits

Usage Limits

Details

Limit of Online Purchasing Inside Egypt

Within the card credit limits with Maximum 400000 EGP per Month with a limit of 8 times daily

 Limit of Online Purchasing Outside Egypt

(In case the customer has not informed the bank of the travel)

(within the monthly purchase limit outside Egypt)

 12,500 EGP Monthly

Contactless purchase limit without pin inside Egypt

600 EGP per transaction with maximum 15 consecutive transaction

Contactless purchase limit without pin outside Egypt

Equivalent to 1500 EGP per transaction with maximum 15 consecutive Transaction

Local purchase transactions

Within the credit limits of the card

International purchase transactions 

( E-commerce – POS )

(In case the customer has informed the bank of the travel)

25000 EGP Monthly

 International monthly purchase limit 

(in case the customer hasn’t informed the bank of the travel)

25000 EGP Monthly

Local cash withdrawals (ATM)

EGP 30000 Daily:

EGP 26000 from BM ATMs

EGP 4000 from Other Banks' ATMs

P.O.S cash withdrawal from BM Branches

with max limit 250000 daily

International cash withdrawals (ATM & POS) 

(In case the customer has informed the bank of the travel)

3000 EGP Monthly

Credit Limit

  • Enjoy credit limit starting from 10000 EGP up to less than 25000 EGP

 

 

Fees and charges

 

 Fees and charges Details 

Issuance

EGP 350

Renewal

EGP 350

Supplementary cards issuance for renewal

EGP200

Reissuance of a replacement for lost / damaged cards

EGP250

Cash withdrawals through BM ATMs and P.O.S and Other banks’ machines within Egypt

2% of the amount withdrawn with minimum EGP15

Inquiry about the available balance via BM ATMs

Free

Inquiry about the available balance via Other banks’ ATMs inside Egypt

EGP 1 per transaction

Inquiry about the available balance via ATMs outside Egypt

EGP 3 per transaction

Interest rate

4% monthly

Penalty for delay

EGP 75

Exceeding credit limit

EGP 75

Cash withdrawals outside Egypt

3% of the transaction’s value + EGP 50 per transation

Transactions outside Egypt (cash withdrawals – purchases)

10% of the transaction’s value

Disputing on any transaction through (Fax, Email or Call Centre) where it is proven that the customer is not entitled to dispute on such transaction

EGP 50

Printing certified transactions statement starting from the following month

EGP 20

Requesting clearance letter, certificate of indebtedness or to whom it may concern letter

EGP 50

 

 

Installment Services

Number of Months

Interest Rate on purchases

Interest Rate on cash withdrawal

6/12/24/36 months

3% per month on the basis of declining balance interest

3.5% per month on the basis of declining balance interest

 

In case the customer wishes to pay-on installment for a processed transaction, then the following procedures shall be applied:

  1. Cash withdrawal transaction is carried out through credit card according to the card available balance
  2. During the performance of cash withdrawal transaction BM call center will be contacted in order to request the installment of transaction.
  3. Early repayment fees of 4% are applied in case the customer has paid the value of his installment.
  4. Cash withdrawal charges calculated on the customer’s credit card and related to the amount requested to be paid-on installment will be refunded.

 

To Apply for a card, kindly click here

Credit Cards

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