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Frequently Asked Questions

can vary depending on the type of mutual fund you invest in, your investment goals, and the market conditions. Here are some key risks associated with mutual funds:
  • Market Risk
  • Credit Risk
  • Interest Rate Risk
  • Liquidity Risk
  • Concentration Risk
  • Reinvestment Risk
It's important to understand the specific risks associated with the type of mutual fund you are considering and to align your investment choices with your risk tolerance, investment objectives, and time horizon.  

Returns represent the total net profits or losses (in some types of mutual funds) achieved against the invested amount during a specific period. To view the returns for the mutual funds offered by the bank

Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of capital market instruments, including equities listed on the stock exchange, treasury bills, treasury bonds, or other securities. Each investor in a mutual fund owns shares of the fund, representing a portion of the overall holdings. These shares are referred to as Investment Certificates, symbolizing the investor’s ownership in the mutual funds. The primary objective of mutual funds is to provide investors with access to a diversified portfolio managed by professional fund managers, reducing risk compared to investing in individual securities. Investors benefit from the collective buying power, professional management, and diversification of the fund, which can be difficult to achieve on their own.

Mutual funds come in various types, each designed to meet different investment objectives and risk profiles. The main types of mutual funds include:
  • Equity Funds (Stock Market)
  • Fixed Income Funds (Medium/Long term Debt Funds)
  • Money Market Funds (Short term Debt Funds)
  • Balanced Funds (Hybrid Funds)
  • Precious Metals Funds (Gold/Silver Funds)
 

EFG Hermes Asset Management is the fund manager for Credit Agricole I, Credit Agricole II equity funds and Credit Agricole III money market fund. With over 25 years of experience in the Egyptian market, the fund manager makes investment decisions on behalf of the investors based on through research and close monitoring of market conditions. EFG Hermes Asset Management is responsible for the performance of the funds under its management, as they handle the investment part of the fund.
Platinum Credit Card

"Take you to new heights where you can touch an array of benefits"

Platinum Credit Card

Take you to new heights where you can touch an array of benefits

Crédit Agricole Platinum Credit Card combines the beauty of credit card privileges with worldwide recognition and special treatment.

Exclusive Benefits

  • High Spending Power
    Crédit Agricole Platinum Credit Card members enjoy higher credit limits, for high spending power inside Egypt and abroad.
  • Status and Recognition
    Around the world, Crédit Agricole Platinum Credit Card members are welcomed, respected and well received.
  • Extended Warranty
    It protects goods purchased by Crédit Agricole Platinum Credit Card within an automatic extension of the manufacturers or retailers warranty for up to 24 months from the item’s purchase date.
  • Purchase Protection
    A short-term policy to cover items purchased by Crédit Agricole Platinum Credit Card against loss, theft and/ or accidental damages.
    For more information regarding Extended Warranty and Purchase Protection Coverage, Excluded Items, General Rules & Contacts.
  • Medical Referral
    We understand that health is important to the platinum card member as an Elite. In view of this, Crédit Agricole would like to line up an array of medical services, so as to ease his/her worries at critical moments.
    For more information regarding Medical Referral.
  • Legal Referral
    Crédit Agricole Platinum Credit Card member can be provided through this service with the names, addresses, telephone numbers and office hours for referred lawyers and legal practitioners. For more information regarding Legal Referral.

    The above array of services provides the platinum card member and his/her immediate family with assistance services, when all traveling together on a journey outside home country and when at least 50% of the air tickets are paid by Crédit Agricole Platinum Credit Card.

Card Features

    • Worldwide Acceptance
      Crédit Agricole Platinum Credit Card is accepted at more than 32 million merchant locations worldwide and more than 1 million ATMs for 24 hours’ cash access.
    • Flexible Repayment
      Platinum Credit Card members have the option to pay as little as of 5% of their total bill.
    • Interest Free Period
      Crédit Agricole Platinum Credit Card offers up to 56 days’ interest free period on purchases.
    • Convenient Repayment
      Crédit Agricole Platinum Credit Card offers a range of ways to pay the card dues

    • Rewards Programs
      Crédit Agricole Platinum Credit Card member will be able to receive special discounts and offers from Egypt’s premier merchants and service providers.
    • Happy points program
    • Balance Transfer Program
    • Online Shopping

 

Crédit Agricole Platinum Credit Card provides safe and secure online shopping. Using their platinum credit cards, members can shop the internet’s global marketplace with peace of mind.

  • Credit Card Accounts Service
  • Credit Shield Insurance

    Crédit Agricole Platinum Credit Card members enjoy an optional credit shield insurance of 0.08% of their monthly outstanding balance.

  • Advanced Fraud Protection
    Crédit Agricole Platinum Credit Card includes a service that detects credit card fraud. The premier technology implements a system that detects any suspicious transactions made by the card.
  • Supplementary Cards
    Platinum Credit Card member can share all the benefits of the card with other members of his/her first degree family members being at least 16 years of age through a Platinum Supplementary card. Maximum number of supplementary cards: 3 cards.
  • Dedicated Customer Service
    • Private Banking Relationship Manager
    • Customer Service staff available at all Crédit Agricole branches
    • 24 hours – 7 days a week Call Center support

 

Important Information

    • Credit Limit
      Platinum Credit Card member can utilize up to 100% of the total credit limit for purchases. However 60% of the total available credit limit can be utilized for cash withdrawals.
    • Monthly Statements
      Platinum Credit Card member will receive a detailed and comprehensive credit card statement every month. It will include all details he/she needs to know about the status of his/her account. Also it shows details of earned and redeemed Reward Points.
    • Cash Withdrawals
      Platinum Credit Card member can access any of Crédit Agricole ATMs or any other ATM bearing VISA logo for cash withdrawals.
    • Lost or Stolen Cards
      The loss or theft of Platinum Credit Card must be reported to Crédit Agricole 24/7 Call Center immediately on 19077 or International (+202) 2791-9900 to avoid any unauthorized usage.
    • Interest Rate
      Monthly Interest Rate 3%
    • Payroll customers: 2.5% monthly interest rate for the customers whose salaries transferred to the bank.
  • Taksit service : Special interest rates for Taksit service up to 60 months, as follow:
Type Months 13 Months 24 Months 36 Months 48 Months 60 Months
New Annual Takseet Interest Rates 24.00% 24.00% 26.00% 26.00% 26.00% 26.00%
New Monthly Takseet Interest Rate 2.00% 2.00% 2.17% 2.17% 2.17% 2.17%

Contact Information

  • Merchant Offers
    Inside Egypt: 0800 252 5387
    Outside Egypt: +971 43214374
  • Purchase protection and Extended Warranty
    Inside Egypt: 0800 609 2535
    Outside Egypt: +44 20 8762 8002
  • Medical and Legal Referral
    Tel: +44 (0) 20 8762 8146
  • Disputes
    International SOS
    6th Floor, Landmark House
    Hammersmith Bridge Road
    London W6 9DP.

 

  • Crédit Agricole Contacts
Call Center/ Reporting for Lost or stolen Cards: 19077 inside Egypt
or International (+202) 2791-9900
Fax : (+202) 27924694
Mailing Address: Crédit Agricole
Retail Banking Division
Card Center, P.O Box 1873
Postal Code 11511
Cairo – Egypt.

Terms & Conditions apply.