KCB Bank Kenya Limited Classic Visa Credit Product Details

Rates available from as of 1st April 2021
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KCB Bank Kenya Limited
Classic Visa Credit
Credit Limit
From ksh20k
Annual Fee
ksh3k (+3k joining fee)
Interest Rate
3.50% per month
Interest Free Days
45 days
Min net income of Ksh20k to apply
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Payment Network


Card Fees

  • Joining fee: Ksh3000
  • Annual Fee: Ksh3000

Card features

  • Minimum net Income: Ksh20K-50K
  • Card Limit: From Ksh20k


  • 10% discount when you pay in full using the KCB credit card at Zetu Furniture
  • 10% discount when you pay in full using the KCB credit card at any LG Opalnet outlet
  • 5% discount when you pay in full using KCB credit card for Motor tyres, Service, Parts, Suspensions, Accessories at any AutoXpress outlet
  • Using the card earns redeemable simba points that can be redeemed to make payments at Text Book Centre, Artcaffe, Banana Box

Repayment Details

  • Monthly Interest: 3.5%
  • Interest free period: 45 days
  • Minimum Repayment amount: 10%

Additional Fees

  • Cash advance Fees: 6%
  • Late Payment Fees: 5%
  • Over the limit Fees: ksh1000
  • Supplementary Card Fee: ksh1000
  • Card Replacement Fees: ksh1000

Documents Required

  • National ID or valid passport
  • Duly filled credit card application form
  • Bank statements for the last 6 months if self-employed
  • 3 Months’ salary account bank statement
  • Latest pay slip
  • T&C Link

Money254 Review


  • 45 days interest free
  • New Card (after old one expires) is free


  • Joining fee of ksh3000 required
  • Card replacement (after loss of old one) charged ksh1000
  • Relatively high monthly interest of 3.5%

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