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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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Simplify Your Life, Maximize Your Potential with Optime

Optime 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.

Financial Advantages:

  • Free Gold Debit Card: Enjoy the convenience and benefits of a complimentary Gold Debit Card.
  • Exclusive Gold Credit Card: Get a special credit card with an unsecured credit limit up to EGP 99,000 and enjoy 20% discount on issuance fees.
  • Flexible Cash Loans: Secure the funds you need with “Optime” unsecured cash loan with an amount up to EGP 300,000 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 an extra 0.25% on six-month Time Deposits.
  • Rewarding Transactions: Earn “Happy Points” every time you use your Debit or Credit Cards, banki Mobile.

Seamless Digital Banking:

  • banki Mobile: Manage your accounts, track transactions, view Credit Card statements, pay bills, and more with the user-friendly banki Mobile app.

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 50 (or equivalent) will apply for 6 months if the eligibility criteria are not met for 6 consecutive months.
  • Optime package services will be suspended if the eligibility criteria are not met for 12 consecutive months.

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