Programme Terms & Conditions

The following terms and conditions are applicable to the Attijariwafa bank Egypt Worldmiles Programme; are fundamental to Attijariwafa bank Egypt General Terms and Conditions ("General Terms and Conditions"); and should be considered in reference to the same.

  • Definitions:
    • "Card" hereinafter will be used in reference to the Card(s) mentioned in the General Terms and Conditions, as well as the Platinum Worldmiles Credit Card that includes the Basic, Supplementary and Replacement Cards.
    • "Card Account" hereinafter will refer to the Card Account(s) mentioned in the General Terms and Conditions, as well as the Platinum Worldmiles Credit Card Account that will facilitate tracking of all credit and debit transactions made by the Basic Cardmember and the Supplementary Cardmember.
    • "Worldmile(s)" refers to the reward points that a Cardmember earns when using the Platinum Credit Card to pay for retail purchases. Worldmiles are earned at the rate determined by Attijariwafa bank Egypt and enable the Cardmember to redeem the same against benefits/rewards available in the Worldmiles Programme.
    • " Worldmiles Programme" refers to the programme in which Card members use their Platinum Worldmiles Credit Card to earn Worldmiles and redeem them for rewards/benefits available in the Worldmiles Programme.
    • "Basic Card" is the Primary Card held by the owner of the Card Account.
    • "Supplementary Card" is the Secondary Card issued to an authorised user by the Primary Cardholder.
    • "Replacement Cards" are re-issued for Expired/Stolen/Lost Cards. For example, Basic and/or Supplementary Cards.

  • Worldmiles Programme Terms and conditions:
    • Any Cardmember with a valid Card Account may, at Attijariwafa bank Egypt’ absolute discretion, become a member of the Worldmiles Programme and earn Worldmiles.
    • If the circumstances deem necessary, Attijariwafa bank Egypt can at any time cease the Worldmiles Programme; cancel; amend or change benefits or features, add to or delete any of the terms and conditions outlined herein; withdraw or change the participants of Worldmiles Programme, change or restrict the value of Worldmiles and the redemption process, even if it could diminish the value of the Worldmiles already accumulated. Attijariwafa bank Egypt reserves the right to do this without prior notice to the Cardmember in any manner whatsoever.

      The Cardmember shall be committed to such variations and amendments. The latest modifications/changes/amendments will be available on the Attijariwafa bank Egypt website. Cardmembers are primarily responsible for ensuring that they are aware and updated on any modifications/changes/amendments relating to the Card at all times. All matters pertaining to the Worldmiles Programme shall be taken by Attijariwafa bank Egypt and Cardmember will be required to accept the decisions as final and binding.
    • Cardmembers’ account will be credited with Worldmiles on a monthly basis, depending on the rate fixed by Attijariwafa bank Egypt for every unit of currency charged to the Card Account for all payments made toward retail purchases. Attijariwafa bank Egypt can, at any time and without prior notice to the Cardmember, change the ratio at which Worldmiles are awarded and the amount that the Cardmember is charged on the card. Attijariwafa bank Egypt also retains the right to set a ceiling on the amount of Worldmiles that a Cardmember can earn, in addition to what transactions can be omitted from earning Worldmiles.
    • The accumulated amount billed on every eligible retail purchase on a daily basis, rounded off to the nearest Worldmile will determine how many Worldmiles are credited to a member’s account. All qualified retail purchases carried out and charged to the Card Account of a Supplementary Cardmember will be accumulated with the retail purchases charged by a Basic Cardmember. This will be done with the express purpose of calculating the amount of Worldmiles earned. The total Worldmiles earned will be reflected in the Basic Cardmember’s Card Account.
    • Redemptions need to be made at minimum 1 working day before departure date. Worldmiles registered and credited to the Card Account of the Basic Card holder can only be redeemed at the time of making the redemption. Attijariwafa bank Egypt’s books and records shall serve as decisive evidence with regard to the amount of Worldmiles registered and credited to the account of the Card holder.
    • In the event of a refunded retail purchase, where Worldmiles have been credited to the Cardmember’s Card Account and/or used before the amount billed is refunded, Attijariwafa bank Egypt will deduct the Card Account for the credited Worldmiles. Attijariwafa bank Egypt shall carry this out even if such debiting causes the Card Account to have a negative Worldmiles balance.
    • Each Worldmile earned will be valid for redemption for a maximum of three years. Attijariwafa bank Egypt can at anytime and without providing prior notice to the Cardmember make changes to the validity of the Worldmiles earned by the Cardmember.
    • Worldmiles registered and credited to the Card Account of the Basic Cardmember can only be redeemed at the time of making the redemption. Attijariwafa bank Egypt books and the records shall serve as decisive evidence with regard to the amount of Worldmiles registered and credited to the account of the Cardmember.
    • Cardmembers may redeem Worldmilesrewards of airline flights, according to the qualifying Worldmiles amount, through any of the redemption channels available at the time. Attijariwafa bank Egypt may periodically inform the Cardmember, based on the understanding that the Card Account is in good credit order as determined by Attijariwafa bank Egypt and that there are sufficient Worldmiles. The Cardmember will agree to the terms and conditions applicable to the channels used for redemption. Worldmiles cannot be transferred or exchanged for cash or credit and the Cardmember cannot cancel, revoke or change redemption instructions that have been submitted to Attijariwafa bank Egypt.
    • Attijariwafa bank Egypt absolves itself of any responsibility or liability for any third party for any services or the quality or performance of the services that the Cardmember may use from any partner, service provider, merchant or any third party involved/associated with the Worldmiles Programme. Cardmembers should at all times address their complaints or comments to the partner, service provider, merchant or third party involved.
    • By registering for the Worldmiles Programme, the Cardmember hereby authorizes Attijariwafa bank Egypt to share information of the Card and Card Account(s) to third parties as Attijariwafa bank Egypt considers essential to the Worldmiles Programme.
    • In case of partial payments by credit cards, any amounts paid and transactions made online or through the Worldmiles Contact Centre will be executed in Great Britain Pound (GBP). Standard foreign exchange fees apply on all such transactions. Rates quoted at the time of booking might vary from the actual rates charged on the statement due to currency fluctuations.
    • Worldmiles Programme is shall in all respects be governed by and be construed in accordance with the law of Egypt, and all disputes, actions and other matters in connection therewith shall be determined in accordance with the Egyptian law.