NCBA Kenya PLC Gold Visa Credit Card Product Details

Rates available from as of 1st April 2021
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NCBA Kenya PLC
Gold Visa Credit card
Credit Limit
Up to ksh599,999
Annual Fee
Ksh5k (+4k 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

Visa

Card Fees

  • Joining fee: Ksh4000
  • Annual Fee: Ksh5000

Card features

  • Minimum net Income: Ksh100K
  • Card Limit: Ksh599,999

Benefits

  • Lounge key account and two free lounge passes for free
  • Travel insurance up to $1m
  • Extended warranty up to 24 months
  • Buyers protection up to $20000 per year

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: 5 Free (3000 Thereafter)
  • Card Replacement Fees: ksh2000

Documents Required

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

Money254 Review

Pros

  • Low monthly interest of 0.9%
  • 50 interest free days
  • 1 Free supplementary card, thereafter 2000

Cons

  • Card replacement ( after loss of old card) charged ksh750
  • Joining fee of ksh4k required

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