KCB Bank Kenya Ltd Gold Mastercard Credit card

Rates available from as of 1st April 2021
Money254 strives to provide relevant and accurate product information, which Money254 obtains directly from each institution’s tariff guide. If you believe a product’s details are incorrect, please report the product to Money254.
KCB Bank Kenya Limited
Gold Mastercard Credit Card(Serena)
Credit Limit
From 50000
Annual Fee
Ksh 4k (+4k joining fee)
Interest Rate
3.50% per month
Interest Free Days
45 days
Min net income of Ksh50k to apply
visit website

Payment Network


Card Fees

  • Joining fee: Ksh4000
  • Annual Fee: Ksh4000

Card features

  • Minimum net Income: Ksh50K-200K
  • Card Limit: From Ksh50k


  • 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
  • Book for your flight to any destination or a holiday package and pay later in 10 monthly instalments at 0% interest using KCB credit card with Magical Skies.
  • 15% discount on spend of over Kes 3500 at Acacia Restaurant, Emara Ole Sereni

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 if employed
  • T&C Link

Money254 Review


  • Numerous shopping discounts
  • 45 days interest free


  • Joining fee of ksh4k required
  • Relatively high monthly interest of 3.5%

Use Money254's free search to view the best Credit Cards available in Kenya today

We have aggregated all of the Credit Cards from Kenya's top financial institutions.
See all Credit Cards

What is Money254?

Money254 is a new platform focused on helping you make more out of the money you have. We’ve created a simple, fast and secure way to find and compare financial products that best match your needs. All of the information shown is from products available at established financial institutions that our team of experts have tirelessly collected.  

We’ve just launched but will be adding more product categories and tools over the coming months.

Sign-up to our newsletter and social channels to stay up-to-date!
Learn more about Money254

Stay up to date with your money - sign up for our newsletter today.

Get updates from the Money254 team on financial news and new Money254 features.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.