Top of main content

Foreign Currency Usage Limits

Purchase Limits

Product Card Type Limit / Month
Credit Card MasterCard Premier Credit Card EGP 100,000
Credit Card
MasterCard Advance Credit Card
EGP 50,000
Credit Card
Visa Platinum Credit Card
EGP 50,000
Credit Card
Visa Gold / Cashback Credit Card
EGP 30,000
Debit Card Premier Visa Debit Card
EGP 80,000
Debit Card
Advance Visa Debit Card
EGP 40,000
Debit Card
Personal Banking Visa Debit Card
EGP 20,000

Purchase Limits

Product Credit Card
Card Type MasterCard Premier Credit Card
Limit / Month EGP 100,000
Product Credit Card
Card Type MasterCard Advance Credit Card
Limit / Month EGP 50,000
Product Credit Card
Card Type Visa Platinum Credit Card
Limit / Month EGP 50,000
Product Credit Card
Card Type Visa Gold / Cashback Credit Card
Limit / Month EGP 30,000
Product Debit Card
Card Type Premier Visa Debit Card
Limit / Month EGP 80,000
Product Debit Card
Card Type Advance Visa Debit Card
Limit / Month EGP 40,000
Product Debit Card
Card Type Personal Banking Visa Debit Card
Limit / Month EGP 20,000

Change is effective starting 20 October 2022.

Debit cards daily limits apply.

Cash Withdrawal Limits

Product Card Type Limit / Month
Debit and Credit cards Apply on all cards USD 3000*

Cash Withdrawal Limits

Product Debit and Credit cards
Card Type Apply on all cards
Limit / Month USD 3000*

*Set on the customer level i.e. cover all card types owned by the customers both credit and debit cards.

Above limit is effective starting 20 October 2022.

The normal  cards daily limits for both cash & purchase still apply (no change).

Please note that transactions in foreign currency are converted into the equivalent in Egyptian Pounds at the prevailing market rate at the posting date and not at the transaction date attracting the foreign currency mark–up fees and charges as per the 'Schedule of Charges' announced on our website. Foreign Currency Transactions are converted into your billing currency by the card scheme (Visa or MasterCard®) or HSBC using their applicable exchange rates on the day conversion is made (which is the transaction posting date on HSBC system and not the actual date of transaction and which may involve a conversion to US Dollars or Hong Kong Dollars first).

Frequently Asked Questions

Section I: Foreign currency purchase (non-cash) limits

What are the new HSBC cards foreign currency purchase limits?

The new HSBC cards foreign currency purchase limits are:

Product Card Type Limit / Month
Credit Card MasterCard Premier Credit Card EGP 100,000
Credit Card
MasterCard Advance Credit Card
EGP 50,000
Credit Card
Visa Platinum Credit Card
EGP 50,000
Credit Card
Visa Gold / Cashback Credit Card
EGP 30,000
Debit Card Premier Visa Debit Card
EGP 80,000
Debit Card
Advance Visa Debit Card
EGP 40,000
Debit Card
Personal Banking Visa Debit Card
EGP 20,000

The new HSBC cards foreign currency purchase limits are:

Product Credit Card
Card Type MasterCard Premier Credit Card
Limit / Month EGP 100,000
Product Credit Card
Card Type MasterCard Advance Credit Card
Limit / Month EGP 50,000
Product Credit Card
Card Type Visa Platinum Credit Card
Limit / Month EGP 50,000
Product Credit Card
Card Type Visa Gold / Cashback Credit Card
Limit / Month EGP 30,000
Product Debit Card
Card Type Premier Visa Debit Card
Limit / Month EGP 80,000
Product Debit Card
Card Type Advance Visa Debit Card
Limit / Month EGP 40,000
Product Debit Card
Card Type Personal Banking Visa Debit Card
Limit / Month EGP 20,000

Please note that transactions in foreign currency are converted into the equivalent in Egyptian Pounds at the prevailing market rate at the posting date and not at the transaction date attracting the foreign currency mark–up fees and charges as per the 'Schedule of Charges' announced on our website. Foreign Currency Transactions are converted into your billing currency by the card scheme (Visa or MasterCard®) or HSBC using their applicable exchange rates on the day conversion is made (which is the transaction posting date on HSBC system and not the actual date of transaction and which may involve a conversion to US Dollars or Hong Kong Dollars first).

What is the effective date for the capping change?

Change is effective starting 20 October 2022. 

What are the transactions that fall under this monthly capping?

Limit covers both the transactions of primary and supplementary cards of the same product type.

Will the purchase limit be refreshed on monthly basis?

For Debit and Credit cards, the foreign currency purchase limit will be refreshed based on Calendar Month after the completion of the first working day of the month (i.e. will be refreshed on the second day of every month while catering for weekends and public holidays). 

What kind of foreign currency purchases does this limit apply to?

The limit applies to all non-cash foreign currency transactions including face to face purchase transactions and e-commerce/online transactions.

What if I am paying for something online that exceeds the monthly limit will you reject my purchase immediately or later?

Yes, if you reached your monthly cap in card foreign currency purchases limit per month, the transaction will be rejected.

How will the foreign currency transactions be converted into the equivalent in Egyptian Pounds?

Transactions in foreign currency is converted into the equivalent in Egyptian Pounds at the prevailing market rate at the posting date and not at the transaction date attracting the foreign currency mark–up fees and charges as per the 'Schedule of Charges' announced on our website. Foreign Currency Transactions are converted into your billing currency by the card scheme (Visa or MasterCard®) or HSBC using their applicable exchange rates on the day conversion is made (which is the transaction posting date on HSBC system and not the actual date of transaction and which may involve a conversion to US Dollars or Hong Kong Dollars first).

Section II: Foreign currency cash limits

What are the new cards foreign currency cash capping?

HSBC Cards cash overseas withdrawal limit per month will be USD 3,000 (or equivalent) effective 20 October 2022.

Note: The monthly capping of USD 3,000 (or equivalent) applies to the overall cash withdrawals carried by the card customer overseas (covering all his accounts & Cards - irrelevant of the account currency).

What are the transactions that fall under this monthly capping?

The following transactions are included within the new capping of USD 3,000/month: 

  • All ATM cash withdrawals from customer accounts using Debit Cards
  • All ATM cash withdrawals from customer accounts using Credit Cards
  • All Cash Advance transactions from ATM machines using credit cards

When will the system start calculating the cash FCY usage based on the above cap?

System logic is based on the calendar month. That is to say, the cap to USD 3,000 (or equivalent) will be refreshed by the start of each month. 

We'd love to hear from you on the HSBC Egypt Social Media channels.