💳 Credit Cards in Kenya

Finding the right credit card in Kenya doesn't have to be complicated. At PesaMarket, we've compared 29 credit cards from Kenya's leading banks and financial institutions to help you make an informed decision.

How to Choose the Best Credit Card in Kenya

When comparing credit cards, consider these key factors:

• Annual Fees: Some cards charge annual fees ranging from KES 1,000 to KES 15,000. Look for cards with low or waived fees.
• Interest Rates: Credit card rates in Kenya typically range from 2% to 2.5% per month (24%-30% annually).
• Rewards & Benefits: Cashback, airline miles, lounge access, and discounts can add significant value.
• Credit Limit: Ensure the limit matches your spending needs and income level.
• Acceptance: Visa and Mastercard are widely accepted both locally and internationally.

Types of Credit Cards Available in Kenya

Kenyan banks offer several types of credit cards:

• Standard Cards: Basic credit cards with essential features and lower annual fees.
• Gold Cards: Mid-tier cards with higher limits and additional benefits like travel insurance.
• Platinum Cards: Premium cards with exclusive rewards, higher limits, and luxury perks.
• Business Cards: Designed for entrepreneurs with expense tracking and business-specific rewards.
• Prepaid Cards: Load money in advance - good for budgeting and no credit check required.

Credit Card Application Requirements

To qualify for a credit card in Kenya, you typically need:

• Minimum age: 21 years (some banks require 23-25 years)
• Minimum monthly income: KES 30,000 - KES 100,000 depending on card type
• Good CRB credit score (no negative listings)
• Valid national ID or passport
• Proof of income (payslip, bank statements, tax returns)
• Proof of residence (utility bill, tenancy agreement)

Frequently Asked Questions