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Frequently Asked Questions

  • Yes, the same eligibility criteria apply to both primary and supplementary credit cards.
  • Each cardholder must meet the required international spend condition independently to qualify for the benefit.

  • Eligibility is based on posted (settled) transactions, not pending ones. Customers should ensure their transactions are fully processed and posted before attempting lounge access.

  • It means the system checks 90 days backward from the date of the last international transaction processed to confirm eligibility.

  • If the required international spend (USD 5 within the last 90 days) is not met, lounge access will not be granted, and the visit will be declined.

  • An international transaction includes any purchase made outside Egypt or in foreign currency, whether performed abroad or through international online merchants.
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Optime

Wide range of benefits tailored to fit your needs and lifestyle.

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Optime

Simplify Your Life and maximize your potential with “Optime” package

Optime

Simplify Your Life and maximize your potential with “Optime” package

Simplify Your Life and maximize your potential with “Optime” package

“Optime” from Crédit Agricole is more than just a banking package—it’s a personalized solution designed to empower you to achieve your ambitions and embrace life to the fullest.

How “Optime” enhances your banking experience:

Dedicated Support:

    • Personalized Banking: Enjoy dedicated support from a relationship officer committed to helping you reach your financial goals.
    • Priority Service: Skip the line with priority service at all Crédit Agricole branches, making your banking experience faster and more convenient.

Smart Services That Simplify Your World

As an Optime member, you gain access to personalized tailored support services designed to save you time and make your daily life easier. We focus on details that matter most — so you can enjoy life with ease and comfort.

Here’s what you can benefit from:

  • Government Services Made Simple
    Get fast, reliable assistance with renewing your national ID, passport and legal documents for your home — without the hassle.
  • Travel Services Without Stress
    From booking flights and hotels to arranging sightseeing tours, and visas — we handle every detail so you can enjoy the journey.

Because your time is precious — and your comfort is our priority.
Call +201107109890 using your personal code sent to you via SMS from CAE
Visit: www.lesconciergesegypt.com

Terms and Conditions apply. Click Here

Financial Advantages:

    • Free Gold Debit Card: Enjoy the convenience and benefits of a complimentary gold debit card.
    • Exclusive Credit Card: Access a special Credit Card with an unsecured credit limit of up to EGP 99,000 and enjoy 20% discount on Platinum & Gold issuance fees.
    • Flexible Cash Loans: Secure the funds you need with “Optime” unsecured cash loan with an amount up to EGP 600,000 and benefit from 30% discount on administrative fees for all cash and car loan programs.
    • Enhanced Interest Rates: Grow your savings faster with an additional 0.125% interest rate on one-and-three month Time Deposits and get an extra 0.25% on six-month Time Deposits.
    • Rewarding Transactions: Earn Happy Points every time you use your debit or credit cards or banki Mobile. Click Here to know how to earn Happy Points

Seamless Digital Banking:

    • banki Mobile: Manage your accounts, track transactions, view credit card statements, pay bills, and more with our user-friendly banki Mobile app, anytime and anywhere. Click Here to know more about banki Mobile features

Joining Optime is Easy:

Meet one of the following requirements:

    • Maintain an average balance of EGP 100,000 (or equivalent) across your Crédit Agricole Egypt accounts for the past 3 months.
    • Transfer your monthly net salary of at least EGP 9,000 (or equivalent) to your Crédit Agricole Egypt account.
    • Maintain an average monthly cash flow of at least EGP 9,000 (or equivalent) to your Crédit Agricole Egypt accounts for the past 6 months.

Important Information:

    • A monthly fee of EGP 150 (or equivalent) will apply for 9 months if the eligibility criteria are not met for 3 consecutive months.
    • Optime package services will be suspended, if the eligibility criteria are not met for 12 consecutive months.

To know the bank tariff: Click Here

Terms and Conditions apply. Click Here 







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