Xtra Points Rewards Program

Enjoy the Ultimate Shopping Experience with ABK Xtra Points Program that rewards ABK cardholders for making purchases using their Credit/Debit Cards by giving them incentives in the form of points. The earned points can be redeemed instantly when shopping or paying for anything from anywhere in the world that accepts card payments, or you can redeem points in the form of cash back to your card balance.

How to Register?

  1. Click on Xtra Points Program
  2. Press "Register"
  3. Enter your Credit/Debit Card number
  4. Fill in your information
  5. Create username and password
  6. Choose your created username to login
    7. Or
    - Download "Pay with Rewards" application From Google play store or Apple store
    - enter your card number 
  7. Check your earned/redeemed points

How to Earn Points?

The more you spend with your Credit or Debit Card the more you earn. ABK Xtra points values are structured based on card type:

Card Type Credit Card Debit Card
Classic Gold Titanium Platinum World Elite Classic ABK Next Platinum USD Platinum
Xtra Points* N/A Spend EGP 5,300 and get 29,415 points Spend EGP 9,500 and get 41,180 points Spend EGP 47,500 and get 70,600 points Spend EGP 120,000 and get 352,950 points N/A N/A N/A N/A
Spend Points/EGP 1 0.5 point 0.5 point 1 point 1.5 points 2 points 0.25 points 0.25 points 0.5 point 3 points for every USD 1

* Spend amounts should be within 4 months of the card issuance date

* The following are excluded from Xtra points earning criteria:

  1. ATM cash withdrawals.
  2. Government related transactions.
  3. Wallet transactions.
  4. Commercial transactions.
  5. Fees & charges.

* Terms & Conditions apply

How to Redeem Points?

Points Redemption for shopping/payments:

  1. Download “Pay with Rewards“ application From Google play store or Apple store
  2. Enter your card number
  3. Choose the suitable option to redeem your points:
    1. Save the points for future transactions or redeem for old transactions“No Purchases option”
    2. Redeem the points for next transaction “Next Purchase option”
    3. Redeem the points at every transaction “All Purchases option”
  4. Every 100 points equals 0.85 EGP effective May 14th, 2025.
  5. Points are valid for 24 months effective May 14th, 2025.

Points Redemption for Cash Back:

Redeem as cashback to your card balance through Xtra points rewards website mentioned in ABK-Egypt website. Follow the below easy steps to complete your Cash Back request:

  1. Login to Xtra Points Program
  2. Click on the tab “Redeem Points for Cash”
  3. Click “select card” then choose your card number
  4. Click on “Redeem my Points for Pay with Rewards”
  5. Choose the cash value according to your available points balance and click on “Continue”
  6. Click on “Confirm” to redeem the points displayed
  7. The amount will be credited to your card balance within 3 working days
  8. Every 100 points equals EGP 0.85