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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 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, Online Banking, 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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What is Optime?

Fidele Club Eligibility

Check out the Happy Points

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