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Frequently Asked Questions

  • Yes. The draw mechanism is cumulative. Every additional EGP 20,000 of fresh funds booked into a CD grants you one extra chance (e.g., EGP 100,000 gives you 5 chances).

  • This offer is exclusively for New-to-Bank customers (including Youth NTB) who increase their fresh funds by a minimum of EGP 20,000 and book it into an EGP Certificate of Deposit.

The cashback payouts will occur in two phases based on when the fresh funds are evaluated:
  • First Phase: Credited during October 2026 (reflecting growth from end-of-September vs. end-of-July).
  • Second Phase: Credited during January 2027 (reflecting growth from end-of-December vs. end-of-September).

Fresh funds are measured by the net increase in your Local Currency Assets Under Management (LCY AUM) across two distinct tracking periods:
  • First Draw: The increase in LCY AUM at the end of September 2026 compared to the end of July 2026.
  • Second Draw: The increase in LCY AUM at the end of December 2026 compared to the end of September 2026.

  • The campaign targets all existing Crédit Agricole Egypt customers, New-to-Bank customers, New-to-Bank customers,
  • And specifically features tailored offers for Youth customers.
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Optime Gold Credit Card

Need to do some serious shopping for yourself and your family?

Optime Gold Credit Card

Need To Do Some Serious Shopping For Yourself And Your Family?

There is no holding back anymore with the OPTIME Gold Credit Card.

You can shop what your heart desires; for you will get a credit limit that can reach up to 50,000 EGP! Not only so, you will also enjoy other discounts and reward programs that will make your shopping experience more memorable.

Features & Benefits:

  • Card limit up to 50,000 EGP
  • Special discount on issuance/renewal fees
  • Up to 56-day interest free period on all purchases
  • 5% minimum monthly repayment
  • Worldwide acceptance at over 32 million establishments
  • Worldwide cash access at over 1 million ATMs, 24/7
  • Optional credit shield insurance
  • Advanced fraud protection
  • SMS Alert Service
  • 24/7 call center
  • Up to 3 supplementary cards
  • Up to 60% cash withdrawal of total available credit limit
  • Happy points program: click here
  • Special discounts and offers with selected merchants throughout the year click here
  • Convenient repayment through Crédit Agricole extensive branch network, banki Lite, direct debit instructions, banki Mobile & banki Phone or CAE ATMs
  • Online Banking service (Balance inquiry, unbilled transactions, last 6 months statements and card blocking)

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