NCBA Gold Credit Card
Pros
- +Higher credit limit
- +Reward points on all purchases
- +Travel and entertainment benefits
- +Purchase protection on selected items
NCBA Gold Credit Card vs KCB Gold Credit Card - Credit Cards Comparison 2025
Compare NCBA Gold Credit Card and KCB Gold Credit Card side-by-side. Interest rates, fees, loan amounts, eligibility requirements, and customer reviews. Find the best credit cards for you.
At a Glance
Best Rate
Kenya Commercial Bank
Lowest Fees
Kenya Commercial Bank
Fastest Approval
NCBA Group
Overall Winner
Kenya Commercial Bank
| Feature | NCBA Gold Credit Card NCBA Group | KCB Gold Credit Card Kenya Commercial Bank |
|---|---|---|
| Interest Rate | 21% p.a. | 3.5% p.a. Best Rate |
| Loan Amount Range | N/A | N/A |
| Repayment Period | N/A | N/A |
| Fees | Annual: KES 2000 | Annual: KES 4000 Lowest Fees |
| Key Features |
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| View Details & Apply | View Details & Apply |
KCB Gold Credit Card
Pros
- +Free airport lounge access (4 visits per year)
- +Purchase protection up to KES 100,000
- +Travel insurance included (up to $50,000)
- +0% balance transfer for first 3 months
Frequently Asked Questions
Which is better: NCBA Gold Credit Card or KCB Gold Credit Card?
KCB Gold Credit Card offers a more competitive interest rate starting at 3.5% per annum. However, the best choice depends on your specific needs, loan amount, and repayment period. NCBA Gold Credit Card from NCBA Group may be better for Higher credit limit, while KCB Gold Credit Card from Kenya Commercial Bank excels at Free airport lounge access (4 visits per year).
What are the main differences between NCBA Gold Credit Card and KCB Gold Credit Card?
NCBA Gold Credit Card from NCBA Group offers rates from 21% p.a. with loan amounts up to KES varies. KCB Gold Credit Card from Kenya Commercial Bank offers rates from 3.5% p.a. with loan amounts up to KES varies. Compare features, fees, and eligibility requirements above.
How fast can I get approved for these credit cards?
Approval times vary: NCBA Gold Credit Card typically takes 24-48 hours, while KCB Gold Credit Card processes applications in 24-48 hours. Digital products like M-Pesa loans can be approved instantly, while bank loans may take 1-3 business days.
Do I need collateral for NCBA Gold Credit Card or KCB Gold Credit Card?
Collateral requirements depend on the loan amount and product type. For amounts under KES 500,000, many credit cards are unsecured. Larger loans may require collateral such as a logbook, property, or salary assignment. Check specific requirements for each product.
Can I apply for both NCBA Gold Credit Card and KCB Gold Credit Card?
While you can technically apply to multiple lenders, having multiple active loans affects your debt-to-income ratio and CRB profile. It's generally better to choose one product that best fits your needs. Use PesaMarket's comparison tools to make an informed decision.
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