Online shopping in Egypt has grown at an extraordinary pace, and noon has become the go-to platform for millions of shoppers. From the latest smartphones to groceries, household essentials, and fashion trends, noon has reshaped how Egyptians shop. To make this experience even better, Commercial International Bank (CIB), one of Egypt’s largest private banks, partnered with noon to launch the CIB noon Credit Card.

This card was designed to offer targeted benefits, discounts, and flexible payments that align directly with the shopping needs of Egyptian households. Whether you’re buying weekly groceries, upgrading your tech, or shopping for fashion, the card is packed with perks that ensure every pound goes further.

In this guide, we’ll explore the full range of benefits, cashback opportunities, and smart strategies to maximize the value of the CIB noon Credit Card.

Why the CIB noon Credit Card Matters in Egypt

Shoppers today demand three things: savings, convenience, and rewards. The CIB noon Credit Card brings these together by:

  • Offering 5% instant discount on noon purchases.

  • Providing 0% installment plans for big-ticket items.

  • Rewarding non-noon purchases with BONUS points.

  • Waiving fees for loyal users who spend consistently.

  • Enhancing convenience with contactless and digital features.

This isn’t just another credit card—it’s a shopping-first card crafted for Egypt’s most active online consumers.

Key Features of the CIB noon Credit Card

  • 5% instant discount on noon.com purchases (capped at EGP 150 per transaction).

  • 0% installment plans for up to 15 months on selected days.

  • Free priority delivery on noon Express orders within Cairo & Giza.

  • 1.5 BONUS points per EGP 1 spent on non-noon purchases.

  • Annual renewal fee waived with EGP 60,000 yearly spend.

  • EGP 100 activation reward on first purchase within 60 days.

  • Contactless payments and Visa network privileges.

  • Optional Credit Shield Protection.

Plus, shoppers can stack these benefits with a coupon like the noon code “VN40” in Egypt for additional savings. See available offers at Noon Egypt promo codes.

Top 5 Benefits of the CIB noon Credit Card

Let’s take a closer look at the five biggest perks that stand out for Egyptian shoppers.

1. 5% Instant Discount on noon.com

The headline benefit: every purchase on noon.com using your CIB noon Credit Card earns you an instant 5% discount at checkout, capped at EGP 150 per transaction.

Why it matters:

  • If you’re buying groceries worth EGP 2,000, you instantly save EGP 100.

  • On higher-ticket items like laptops or TVs, you still maximize the EGP 150 discount.

This is a guaranteed saving—no waiting for cashback or complicated redemptions.

2. 0% Installment Plans

The card allows you to convert large purchases into 0% installment plans for up to 15 months on selected days.

Best use cases:

  • Electronics like smartphones, laptops, or appliances.

  • Seasonal shopping, like back-to-school or Ramadan sales.

  • Family essentials like furniture or bulk grocery orders.

Spreading payments without interest charges gives shoppers more flexibility without financial strain.

3. Free & Priority Delivery (Cairo & Giza)

With noon Express, eligible orders delivered in Cairo and Giza are upgraded to free priority delivery.

Why it matters:

  • Saves delivery charges (which can add up quickly with frequent shopping).

  • Ensures faster deliveries for essentials.

4. BONUS Points on Non-noon Purchases

Not shopping on noon? You still earn rewards. For every EGP 1 spent elsewhere, you earn 1.5 BONUS points.

Practical examples:

  • EGP 3,000 spent monthly on dining and groceries = 4,500 points.

  • Over a year, that’s 54,000 points, which can be redeemed toward travel, vouchers, or services through CIB’s program.

5. Waived Renewal Fees

Spend EGP 60,000 annually (about EGP 5,000 monthly), and your renewal fee is waived.

This ensures the card’s benefits outweigh its costs, especially for regular noon shoppers.

Additional Benefits Worth Highlighting

  • EGP 100 activation reward for new users.

  • Visa lounge access at regional airports.

  • Seasonal lifestyle offers on dining, travel, and entertainment.

  • Credit Shield Protection for added peace of mind.

  • Tap-to-pay contactless technology for quicker checkouts.

How the Savings Add Up: Real-Life Examples

Example 1: Grocery & Essentials

  • Weekly shop = EGP 1,000.

  • Savings = EGP 50 weekly × 4 = EGP 200 monthly.

  • Yearly = EGP 2,400 saved just on groceries.

Example 2: Electronics Purchase

  • Laptop worth EGP 15,000.

  • Card discount = EGP 150 (capped).

  • Installments = 0% spread over 15 months = ~EGP 1,000/month.

  • Extra coupon (VN40) = further savings.

Example 3: Everyday Dining & Travel

  • Monthly spend = EGP 5,000 on non-noon categories.

  • Earned = 7,500 BONUS points/month = 90,000 annually.

These points add another layer of hidden value.

Tips to Maximize the Card

  1. Stack Discounts – Use coupon code “VN40” alongside the card’s 5% discount.

  2. Split Carts – Break purchases into smaller transactions to maximize the EGP 150 cap per order.

  3. Plan Purchases on Installment Days – Align electronics or big orders with 0% installment promotions.

  4. Always Filter by noon Express – To enjoy priority delivery in Cairo/Giza.

  5. Redeem BONUS Points Regularly – Convert points into travel, vouchers, or services.

  6. Track Annual Spend – Cross EGP 60,000 to waive renewal fees.

Lifestyle Benefits Beyond noon

The CIB noon Credit Card isn’t limited to shopping on noon:

  • Travel perks: Lounge access and discounts at partner hotels.

  • Dining rewards: Seasonal restaurant offers.

  • Shopping festivals: Extra benefits during Ramadan and Black Friday.

This makes it versatile enough to act as a primary spending card for many Egyptians.

Eligibility & Application Process

  • Age Requirement: 21–65 years.

  • Income Proof: Salary slip, HR letter, or bank statement.

  • Documents: National ID and recent utility bill.

  • Process: Apply through CIB branches or digitally, with home delivery available for approved cards.

Fees & Charges Snapshot

  • Annual Renewal Fee: Waived at EGP 60,000 annual spend.

  • Cash Advance & Late Fees: As per CIB’s schedule.

  • Installment Conversions: Free on selected days with eligible merchants.

  • Discount Cap: EGP 150 per transaction for the 5% noon discount.

Read: Emirates NBD noon One Credit Card Guide

Read: Mashreq noon Credit Card Guide

Frequently Asked Questions

Q1. Is the 5% noon discount unlimited?

No, it is capped at EGP 150 per transaction.

Q2. Can I use installment plans on any noon purchase?

They are available on selected days and in eligible categories like electronics and appliances.

Q3. Do BONUS points expire?

Points typically follow CIB’s reward program cycle; redeem quarterly to maximize value.

Q4. Can the card be used internationally?

Yes, as it operates on the Visa network, it works worldwide.

Q5. How do I apply the coupon “VN40”?

Enter it during checkout at noon Egypt before paying with your CIB noon Credit Card to stack savings.

Final Word

The CIB noon Credit Card is more than just a payment method—it’s a powerful savings tool designed for Egypt’s online shopping generation. With its 5% instant discount, 0% installment flexibility, BONUS points, and delivery perks, it covers everything from small daily orders to big-ticket purchases.

For maximum savings, always combine the card’s benefits with coupons like “VN40”, available through GC Coupons at Noon Egypt promo codes.

For Egyptian shoppers who want a smoother, smarter, and more rewarding experience, this card is a clear win.