Co-operative Bank of Kenya Local Visa Credit Card Product Details

Rates available from as of 1st April 2021
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Co-operative Bank of Kenya Limited
Local Visa Credit Card
Credit Limit
Up To ksh99K
Annual Fee
Interest Rate
1.16% per month
Interest Free Days
50 days
Min net income of Ksh20k to apply
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Payment Network


Card Fees

  • Joining fee: Free
  • Annual Fee: Ksh3000

Card features

  • Minimum net Income: ksh20k
  • Card Limit: Up to ksh99k


  • 7% discount when you pay for your flights with Safarilink using Co-op credit card
  • 10% discount when you buy any piece of furniture from all Furniture Elegance outlets when you use your Co-op credit cards.
  • 5% discount off furniture at Istikbal Furniture when you pay using Co-op credit card
  • 7% discount when you pay for your holiday with your Co-op Credit card with Bonfire Adventures and Events Ltd.
  • 12.5% discount on any purchase of beauty, lifestyle and health products when you pay with your Co-op Bank credit card at Pharma plus Pharmacy

Repayment Details

  • Monthly Interest: 1.16%
  • Interest free period: 50 days
  • Minimum Repayment amount: 10%

Additional Fees

  • Late Payment Fees: 5%
  • Over the limit Fees: ksh1000
  • Supplementary Card Fee: ksh2000
  • Card Replacement Fees: ksh500

Documents Required

  • Salaried:
    • Three months certified Bank Statements
    • Original ID and copy of national ID
    • Copy of KRA Pin
    • Copy of most recent pay slip
  • Self-Employed:
    • Certified copy of National ID
    • Certified copy of KRA Pin
    • One passport photo
  • T&C Link

Money254 Review


  • No joining fees
  • Relatively low monthly interest of 1.16%
  • 50 interest free days


  • New card (after old card expires) charged Ksh3000
  • Card replacement (after loss of old card) charged ksh500

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