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Free Heya Credit Card

​​​​​​​Enjoy CIB Heya Credit Card with no issuance fees for the 1st year, in addition to 20,000 gift points

Apply now for CIB Heya credit card tailor made to cater to your lifestyle needs and enjoy 100% off on 1st year issuance fees upon your first purchase transaction within two months of the card issuance 

To apply for the card, send the word "Heya" to 16644

CIB "Heya" Credit Card Benefits and Features: ​​

  • Up to 20,000 gift and spend points* to be redeemed for vouchers, cash-back or travel portal
  • Empowered to choose your preferred designed from 3 available designs
  • Exclusive discounts up to 45% across a wide range of selected women related merchants
  • 2 BONUS points per EGP 1 spent on purchase throughout the  Smart Shopper Program
  • Automatic enrollment in "Heya" life insurance worth of EGP 25,000
  • Up to EGP 500,000 insurance coverage on card outstanding balance (Solidarity Scheme)
  • Unlimited complimentary access to airport lounges at select airports across the Middle East, regardless your ticket category, just show your CIB 'Titanium' credit card
  • Free fraud protection in case of card loss, 'Titanium' cardholders get reimbursed for any transactions they did not perform with an annual value up to and equivalent of USD 2,000
  • Complimentary "Buy 1 Get 1" offers through MasterCard mobile application that you can download from Apple Store or Google Play
  • Up to 4 free supplementary cards for family members
  • Installment Payment Plan up to 36 months
  • Travel Desk Service through CIB Call Center 19666
  • Worldwide Purchase Power
  • Low interest rate


This offer is valid for new cards issued during the months of October, November and December 2017

*Points will be awarded after the first purchase transaction within 2 months of the card issuance date.

Issuance fees will be refunded in the following month from the date of transaction completion.

To redeem your points, visit  

Terms and conditions apply