Credit Card
Bank of Baroda Classic Visa Credit Card
Bank of Baroda
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
3.25% per month (39% p.a.)
Credit Limit
Ksh 75,000 - Ksh 500,000
Approval Time
7-10 working days
Processing Fee
Ksh 2,500/year
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Lower 4% cash advance fee (vs 5% competitors)
- Accepts pensioners unlike most Tier 3 banks
- Competitive 3.25% monthly rate
- Strong Kenya-India travel merchant network
- Higher KES 500K ceiling
Cons
- Slow 7-10 day approval
- Requires 12-month employment history
- Small branch network in Kenya
- No travel insurance on Classic tier
- Rewards program less developed
Customer Reviews
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Product Details
Features
- Worldwide Visa acceptance
- Accepts pensioners up to age 65
- Lower 4% cash advance fee
- Baroda Connect online banking
- Interest-free period up to 45 days
- NRI (Non-Resident Indian) banking specialists
- Free SMS transaction alerts
- CRB positive reporting
Eligibility Requirements
Age: 23 - 65 years
Min Income: Ksh 35,000/month
Employment: Salaried, Professional, Self-employed, Pensioner
Required Documents
- Copy of ID/Passport
- KRA PIN Certificate
- 3 months payslips
- 12 months bank statements
Ready to Apply?
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