NCBA Kenya PLC Classic Credit Card Product Details

Rates available from as of 1st April 2021
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Classic Credit Card
Credit Limit
Up To ksh100k
Annual Fee
Ksh6k (+3500 joining fee)
Interest Rate
0.9% per month
Interest Free Days
50 days
Min net income of <Ksh100k to apply
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Payment Network


Card Fees

  • Joining fee: Ksh3500
  • Annual Fee: Ksh6000

Card features

  • Minimum net Income: Less than ksh100k
  • Card Limit: Up to ksh100k


  • Buyers protection insurance on goods over ksh5000

Repayment Details

  • Monthly Interest: 0.9%
  • Interest free period: 50 days
  • Minimum Repayment amount: 20%

Additional Fees

  • Cash advance Fees: 6%
  • Late Payment Fees: 5%
  • Over the limit Fees: 5%
  • Supplementary Card Fee: ksh2500
  • Card Replacement Fees: ksh500

Documents Required

  • National ID
  • KRA Pin
  • 6 months bank statements
  • Latest payslip
  • T&C Link

Money254 Review


  • Free insurance on items worth over ksh5k
  • Low Monthly interest of 0.9%


  • Supplementary card charged ksh2500
  • Joining fee of ksh3500 required

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