International Monthly Spend limits & Pricing
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Effective April 21st 2017
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P
Dear Valued Customer,
To guarantee an exceptional banking experience, we are glad to update you that now you can use your full
credit card limit when performing international purchases.
International monthly spend limits for each card type:
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Spend Type
Cash
Purchase
Mark Up Fees
Credit Cards Limits in EGP
Card Type
Standard EGYPTAIR
Titanium EGYPTAIR
20,000
50,000
Full Credit Card limit
3%
3%
Platinum EGYPTAIR
60,000
3%
Pricing:
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•
•
International Cash advance fees : 4% with minimum EGP 20
Dynamic Currency Conversion (DCC) in EGP outside Egypt Markup Fees: 3%
General Guidelines for International Spend:
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•
•
•
•
•
International limits are no longer applied on all credit cards collectively, in case of holding more than 1
credit card each card can be used separately for international purchases up to each card credit limit.
The defined international monthly limits on debit cards are based on a calendar month.
For international spend on debit cards linked to EGP accounts, the daily/weekly limits do not apply (only
the monthly international limits apply).
Dynamic currency conversion (DCC) is service that enables you to pay in EGP or the currency of the
foreign country that you are in at the point of sale. If you select to make payment in EGP or in foreign
currency a markup fee will be charged.
In case there is a difference between the value of any transaction which is made in foreign currency
using the cards and the actual value that is deducted on those cards, this is due to the settlement date
of these transactions which occurs at a later date than the date in which the transaction is performed.
Settlement date is not controlled by CIB, but rather by the merchant or the acquiring bank, where the
transaction is settled within 10 days from the transaction date.
Terms & Conditions apply
‫ﺣﺪ ﺍﻻﺳﺘﺨﺪﺍﻡ ﺍﻟﺸﻬﺮﻱ ﻭﺍﻟﻤﺼﺎﺭﻳﻒ ﺍﻟﺨﺎﺻﺔ ﺑﺎﻟﻌﻤﻼﺕ ﺍﻷﺟﻨﺒﻴﺔ ﻟﻠﺒﻄﺎﻗﺎﺕ‬
‫‪U‬‬
‫ﺑﺪ ًءﺍ ﻣﻦ ‪ 21‬ﺇﺑﺮﻳﻞ ‪2017‬‬
‫ﻋﻤﻠﻴﻨﺎ ﺍﻟﻌﺰﻳﺰ‪،‬‬
‫ﻟﻀﻤﺎﻥ ﺗﺠﺮﺑﺔ ﻣﺼﺮﻓﻴﺔ ﺍﺳﺘﺜﻨﺎﺋﻴﺔ‪ ،‬ﻳﺴﻌﺪﻧﺎ ﺇﺑﻼﻏﻜﻢ ﺃﻧﻪ ﻳﻤﻜﻨﻜﻢ ﺍﻵﻥ ﺍﺳﺘﺨﺪﺍﻡ ﻛﺎﻣﻞ ﺍﻟﺤﺪ ﺍﻻﺋﺘﻤﺎﻧﻲ ﻟﺒﻄﺎﻗﺔ ﺍﻻﺋﺘﻤﺎﻥ ﻋﻨﺪ ﺇﺟﺮﺍء ﻋﻤﻠﻴﺎﺕ‬
‫ﺷﺮﺍء ﺑﺎﻟﺨﺎﺭﺝ‪.‬‬
‫ﺣﺪ ﺍﻹﺳﺘﺨﺪﺍﻡ ﺍﻟﺸﻬﺮﻱ ﻓﻲ ﺍﻟﺨﺎﺭﺝ ﻟﻜﻞ ﻧﻮﻉ ﺑﻄﺎﻗﺔ‪:‬‬
‫ﺑﻄﺎﻗﺎﺕ ﺍﻻﺋﺘﻤﺎﻥ‬
‫ﺣﺩ ﺍﻹﺳﺗﺧﺩﺍﻡ ﻟﻠﺑﻁﺎﻗﺔ ﺍﻻﺋﺗﻣﺎﻧﻳﺔ ﺑﺎﻟﺟﻧﻳﻪ ﺍﻟﻣﺻﺭﻱ‬
‫ﺍﻟﺣﺩ ﺍﻟﺷﻬﺭﻱ‬
‫ﺳﺗﺎﻧﺩﺭﺩ ‪EGYPTAIR‬‬
‫ﻧﻭﻉ ﺍﻟﺑﻁﺎﻗﺔ‬
‫ﺗﻳﺗﺎﻧﻳﻭﻡ ‪EGYPTAIR‬‬
‫ﺑﻼﺗﻳﻧﻳﻭﻡ ‪EGYPTAIR‬‬
‫‪20,000‬‬
‫‪50,000‬‬
‫‪60,000‬‬
‫ﺣﺩ ﺍﻟﺳﺣﺏ ﺍﻟﻧﻘﺩﻱ‬
‫ﻛﺎﻣﻞ ﺍﻟﺤﺪ ﺍﻻﺋﺘﻤﺎﻧﻲ ﻟﻠﺒﻄﺎﻗﺔ‬
‫ﺣﺩ ﺍﻟﻣﺷﺗﺭﻳﺎﺕ‬
‫ﻫﺎﻣﺵ ﺍﻟﺭﺑﺢ ﻋﻠﻰ‬
‫ﺍﻟﻣﻌﺎﻣﻼﺕ ﺍﻷﺟﻧﺑﻳﺔ‬
‫‪3%‬‬
‫‪3%‬‬
‫‪3%‬‬
‫ﺍﻟﻤﺼﺎﺭﻳﻒ ﺍﻟﺨﺎﺻﺔ ﺑﺎﻟﻌﻤﻼﺕ ﺍﻷﺟﻨﺒﻴﺔ‬
‫‪U‬‬
‫•‬
‫•‬
‫‪U‬‬
‫ﺭﺳﻮﻡ ﺍﻟﺴﺤﺐ ﺍﻟﻨﻘﺪﻱ ﺧﺎﺭﺝ ﻣﺼﺮ‪ 4% :‬ﺒﺤﺪ ﺃﺪﻨﻰ ‪20‬ﺠﻢ‬
‫ﺗﺤﻮﻳﻞ ﺍﻟﻌﻤﻼﺕ ﺍﻟﺪﻳﻨﺎﻣﻴﻜﻲ )‪ (DCC‬ﺑﺎﻟﺠﻨﻴﺔ ﺍﻟﻤﺼﺮﻱ ﺧﺎﺭﺝ ﻣﺼﺮ‪3% :‬‬
‫ﺇﺭﺷﺎﺩﺍﺕ ﻋﺎﻣﺔ ﻟﻼﺳﺘﺨﺪﺍﻡ ﺧﺎﺭﺝ ﻣﺼﺮ‬
‫•‬
‫•‬
‫•‬
‫•‬
‫ﻟﻢ ﺗﻌﺪ ﺗﻄﺒﻖ ﺣﺪﻭﺩ ﺍﻻﺳﺘﺨﺪﺍﻡ ﺑﺎﻟﺨﺎﺭﺝ ﻋﻠﻰ ﺟﻤﻴﻊ ﺑﻄﺎﻗﺎﺕ ﺍﻻﺋﺘﻤﺎﻥ ﺑﺸﻜﻞ ﺟﻤﺎﻋﻲ‪ ،‬ﻓﻲ ﺣﺎﻟﺔ ﻭﺟﻮﺩ ﺃﻛﺜﺮ ﻣﻦ ﺑﻄﺎﻗﺔ ﺍﺋﺘﻤﺎﻥ ﻭﺍﺣﺪﺓ ﻳﻤﻜﻨﻚ ﺍﺳﺘﺨﺪﺍﻡ‬
‫ﺍﻟﺤﺪ ﺍﻻﺋﺘﻤﺎﻧﻲ ﺑﺎﻟﻜﺎﻣﻞ ﻟﻜﻞ ﺑﻄﺎﻗﺔ ﻋﻠﻰ ﺣﺪﻩ ﻓﻲ ﺍﻟﻤﺸﺘﺮﻳﺎﺕ ﺑﺎﻟﺨﺎﺭﺝ‪.‬‬
‫ﺣﺪﻭﺩ ﺍﻻﺳﺘﺨﺪﺍﻡ ﺍﻟﺸﻬﺮﻱ ﺧﺎﺭﺝ ﻣﺼﺮ ﺍﻟﺨﺎﺻﺔ ﺑﺒﻄﺎﻗﺎﺕ ﺍﻟﺨﺼﻢ ﺍﻟﻤﺒﺎﺷﺮ ﺗﺤﺘﺴﺐ ﺑﺪﺍﻳﺔ ﻣﻦ ﻛﻞ ﺷﻬﺮ‪.‬‬
‫ﺗﺤﻮﻳﻞ ﺍﻟﻌﻤﻼﺕ ﺍﻟﺪﻳﻨﺎﻣﻴﻜﻲ )‪ (DCC‬ﻫﻲ ﺧﺪﻣﺔ ﺗﻤﻜﻨﻚ ﻣﻦ ﺍﻟﺪﻓﻊ ﺑﺎﻟﺠﻨﻴﻪ ﺍﻟﻤﺼﺮﻱ ﺃﻭ ﻋﻤﻠﺔ ﺍﻟﺒﻠﺪ ﺍﻷﺟﻨﺒﻲ ﺍﻟﻤﺘﻮﺍﺟﺪ ﺑﻬﺎ ﻣﺎﻛﻴﻨﺔ ﻧﻘﺎﻁ ﺍﻟﺒﻴﻊ‪ .‬ﺇﺫﺍ ﻗﻤﺖ‬
‫ﺑﺎﺧﺘﻴﺎﺭ ﺍﻟﺪﻓﻊ ﺑﺎﻟﺠﻨﻴﻪ ﺍﻟﻤﺼﺮﻱ ﺃﻭ ﺑﺎﻟﻌﻤﻼﺕ ﺍﻷﺟﻨﺒﻴﺔ ﺳﻮﻑ ﺗﻄﺒﻖ ﺍﻟﺮﺳﻮﻡ ﺍﻟﻤﻌﻠﻨﺔ‪.‬‬
‫ﻓﻲ ﺣﺎﻟﺔ ﺍﻟﻘﻴﺎﻡ ﺑﺎﺳﺘﺨﺪﺍﻡ ﺍﻟﺒﻄﺎﻗﺎﺕ ﺑﺎﻟﻌﻤﻠﺔ ﺍﻷﺟﻨﺒﻴﺔ ﻭﻭﺟﻮﺩ ﻓﺎﺭﻕ ﺑﻴﻦ ﻗﻴﻤﺔ ﺃﻱ ﻣﻌﺎﻣﻠﺔ ﺗﻤﺖ ﺑﺎﻟﻌﻤﻠﺔ ﺍﻻﺟﻨﺒﻴﺔ ﻭﻗﺖ ﺇﺗﻤﺎﻣﻬﺎ ﻭﺑﻴﻦ ﺍﻟﻘﻴﻤﺔ ﺍﻟﻔﻌﻠﻴﺔ ﺍﻟﺘﻲ ﺗﻢ‬
‫ﺧﺼﻤﻬﺎ ﻋﻠﻲ ﺣﺴﺎﺏ ﺗﻠﻚ ﺍﻟﺒﻄﺎﻗﺎﺕ‪ ،‬ﻓﺈﻥ ﺫﻟﻚ ﻳﻌﻮﺩ ﺇﻟﻲ ﺗﺴﻮﻳﺔ ﺍﻟﻤﻌﺎﻣﻼﺕ ﻓﻲ ﺗﺎﺭﻳﺦ ﻻﺣﻖ ﻟﺘﺎﺭﻳﺦ ﺳﻌﺮ ﺍﻟﺼﺮﻑ ﻓﻲ ﻳﻮﻡ ﺗﻨﻔﻴﺬ ﺍﻟﻤﻌﺎﻣﻠﺔ‪ ،‬ﺣﻴﺚ ﺃﻥ‬
‫ﺍﻟﺒﻨﻚ ﺍﻟﺘﺠﺎﺭﻱ ﺍﻟﺪﻭﻟﻲ – ﻣﺼﺮ ﻳﻘﻮﻡ ﺑﺎﻟﺨﺼﻢ ﺍﻟﻔﻌﻠﻲ ﻋﻠﻲ ﺣﺴﺎﺑﺎﺕ ﺍﻟﺒﻄﺎﻗﺎﺕ ﻭﻓﻘﺎ ً ﻷﺳﻌﺎﺭ ﺍﻟﻌﻤﻼﺕ ﺍﻟﻤﻄﺒﻘﺔ ﻓﻲ ﺗﺎﺭﻳﺦ ﺗﺴﻮﻳﺔ ﺍﻟﻤﻌﺎﻣﻠﺔ ﻭﻫﻮ ﺍﻟﺘﺎﺭﻳﺦ‬
‫ﺍﻟﺬﻱ ﻻ ﻳﺘﺤﻜﻢ ﺍﻟﺒﻨﻚ ﺍﻟﺘﺠﺎﺭﻱ ﺍﻟﺪﻭﻟﻲ ﻓﻲ ﺗﺤﺪﻳﺪﻩ ﻭﺇﻧﻤﺎ ﻳﻌﻮﺩ ﺗﺤﺪﻳﺪﻩ ﻟﻠﺘﺎﺟﺮ ﺍﻟﺬﻱ ﺗﻤﺖ ﺍﻟﻤﻌﺎﻣﻠﺔ ﻟﺪﻳﻪ ﺃﻭ ﺍﻟﺒﻨﻚ ﺍﻟﻤﺤﺼﻞ‪ ،‬ﺣﻴﺚ ﻳﺤﻖ ﻟﻠﺘﺎﺟﺮ ﺗﻨﻔﻴﺬ ﻋﻤﻠﻴﺔ‬
‫ﺍﻟﺨﺼﻢ ﺧﻼﻝ ﻣﺪﺓ ﺗﺼﻞ ﺇﻟﻲ ‪ 10‬ﺃﻳﺎﻡ ﻣﻦ ﺍﻟﺘﺎﺭﻳﺦ ﺍﻟﻔﻌﻠﻲ ﻟﻠﻤﻌﺎﻣﻠﺔ‪.‬‬
‫ﺗﻄﺒﻖ ﺍﻟﺸﺮﻭﻁ ﻭﺍﻻﺣﻜﺎﻡ‬