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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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Redemption

Redemption could not be easier. Just simple steps to redeem your points.

Redemption could not be easier. Just simple steps to redeem your points.

No paper voucher!

Buy at merchants:

A wide variety of a hand-picked selection of best brands is available for you to redeem directly at the merchant

Buying using your points in 3 just steps:

  • Give the cashier your registered mobile number at the bank
  • You will receive an SMS with 6-digit PIN to provide to the cashier
  • The cashier will process the PIN and you will receive a confirmation by SMS

Enjoy “Carrefour” our mega merchant & discover ALL participating merchants through CAE Merchants Catalogue available inside banki Mobile

    Buy online:

    Enjoy shopping online – available through banki Mobile / banki Lite
    only

    • Proud to be the leading bank offering Happy Points redemption 24/7, anywhere exclusively using banki Mobile.
    • You can now easily login to banki Mobile to check & follow your Happy
      Points balance on banki Mobile & redeem them from 70+ various merchants while shopping.
    • The more you transact using banki Mobile, the more Happy Points you’ll earn:  click here

    Happy Points Online merchants redemption steps:

    • Check “Happy Points” online merchants catalogue on banki Mobile/lite
    • Click on your favorite merchant
    • Enter the amount you want to redeem in EGP
    • Click “Create Coupon”, then you will be requested to enter the code (OTP)
      that will be sent to your mobile number to be able to continue
    • You will receive an SMS with the requested coupon number & validity and another SMS with the deducted points & remaining balance of your Happy Points
    • Once you use the coupon at the online merchant, you will receive a
      confirmation SMS.
    • You can redeem form the below merchants
      elmenus
      Breadfast
      jumia
      Gourmet

      Notes:

      • Coupon validity is 1 month.
      • Expired coupons can’t be refunded or renewed.
      • Coupon code is valid for one time-usage with its full amount.

      Pay your annual Credit Card fees:

      only full amount of card annual fees can be requested to pay

      To request payment for your Credit Card fees

      • Contact Crédit Agricole call center 19191.
      • Fill the form “Pay your annual credit card fees” above.

        Pay your annual credit card fees:

        Only full amount of card annual fees can be requested to pay.

        To request payment of your annual credit card fees:

          • Contact credit Agricole call center 19191.
            or

          • Fill the form "Redeem Your Points"






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