When you send your first payment from UpWork to Payoneer , the team of Payoneer will ask you to verify your identity (if you haven't already done so). You can send them a request that you don't wish to get that debit card.
They gave me an option to add a USD bank account if I wish (I already has one due to lots of wonderful packages offered by Arab Bank to university staff unlike NBE). Once I sent them the account details, they approved it. You can still use your EGP account with conversion if you wish.
The thing you should consider is , you can't withdraw to your bank an amount less than 200$ USD. Also Payoneer deduces 2% of the transaction unlike what I have been told earlier. It is still better choice than Wire Transfer (for me) and PayPal (it takes 4% of incoming payments).
I carried the first withdraw to bank account 2 days ago. It may take up to 5 business days to receive it. I'll keep all updated.