SBM Bank Kenya Limited Visa Gold Credit Card Product Details

Rates available from as of 1st April 2021
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SBM Bank Kenya Limited
Visa Gold Credit Card
Credit Limit
Set during application
Annual Fee
Interest Rate
3.25% 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: Set during application


  • 20% off on all Emergency Plus Medical Services (E-Plus)
  • 10% discount for Optica purchases paid for with the SBM Gold credit card
  • 10% discount (discount code: SBM) on hotel reservations and accommodation at any Sarova Hotels
  • 5% discount on stationery and toys and 3% off on technology products on gross amount in all Text Book Centres shops
  • 10% discount on accommodation and 15% off on beverages in Voi Wildlife Lodge in Tsavo East National Park

Repayment Details

  • Monthly Interest: 3.25%
  • Interest free period: 50 days
  • Minimum Repayment amount: 10%

Additional Fees

  • Cash advance Fees: 6%
  • Late Payment Fees: ksh1000
  • Over the limit Fees: ksh1000
  • Supplementary Card Fee: ksh2000
  • Card Replacement Fees: ksh1000

Documents Required

  • Latest payslip
  • National ID/ Passport
  • Latest 3 months bank statement
  • KRA Pin
  • T&C Link

Money254 Review


  • No joining fee required
  • 50 days interest free period


  • Card replacement (after loss of old card) charged ksh1000

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