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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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Crédit Agricole Egypt signs a cooperation protocol with Dsquares to launch the first loyalty program availing online redemption

The new program reflects the bank’s strategy to achieve customers’ satisfaction

Cairo, Egypt, January 2021 – Crédit Agricole Egypt signed a cooperation protocol with Dsquares to redesign and upgrade the technological solutions for its new loyalty program “Happy Points”. This new upgrade is in implementation of the bank’s strategy to achieve customers’ satisfaction through continuous innovation and development.

The new loyalty program unlocks more rewards to all of the bank’s customers in a more modern way. The program was expanded to cover transactions made using any of the bank’s cards or its digital services. Customers would also be able to view the points they collect using the banki Online or banki Mobile services. Happy Points program includes more than 70 store with more than 800 branches, which allows the bank’s customers to redeem in a digital way, without the need to visit the branch or request paper vouchers, thus giving customers a unique and innovative banking experience.

“The launch of the new loyalty rewards program, Happy Points with Dsquares is a new milestone in the implementation of the bank’s strategy in digital transformation that aim to provide customers with innovative banking services for their convenience. Enhancing the bank’s loyalty program followed a comprehensive study on our customers’ needs and expectations. Accordingly, the decision was taken to expand the scope of the previous loyalty program to include transactions completed using cards and digital services and not only credit cards holders. The new tailored program, Happy Points, is now more exhaustive,” said Walie Lotfy, Crédit Agricole Egypt’s Deputy Managing Director.

“We are happy that, for the first time in Egypt, our customers will be able to redeem their points online from some well-known online stores, using our app banki Mobile, which will become the first one-stop-shop application. This new features will be accessible for the comfort of users in the new version of the application that will be launched soon. The selection of Dsquares as a partner for the new program ensures delivering a successful, distinguished, and safe customer experience through their latest technological systems to enable the bank’s customers to access the new privileges,” he added.

From his side, the Founding Partner and CEO of Dsquares mentioned: “We are happy to partner with Crédit Agricole Egypt. The strategy of the bank relies on innovation and offering its customers the most sophisticated services. This is exactly what Dsquares has to offer, thanks to our strong platform and commercial partnerships with the largest number of stores around Egypt. The new loyalty program will contribute to the bank’s endeavour to reach all customers everywhere.”

Established in 2012, Dsquares is a pioneer in rewarding systems, promotional programs and concierge services offered to over 50 important establishments in the Arab world, Africa and Europe. They propose advanced digital solutions in partnerships with 1700 merchants and 11 thousands purchase points.

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