Credit Card
Co-op Visa Classic Credit Card
Co-operative Bank of Kenya
Last updated: November 14, 2025
★★★★★
0/5Based on 0 Reviews
Interest Rate
3.5% per month (42% p.a.)
Credit Limit
Ksh 50,000 - Ksh 1,000,000
Approval Time
7-10 business days
Processing Fee
Ksh 3,500/year
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- First year annual fee waived (worth KES 2,500)
- 50-day interest-free period
- Wide acceptance with Visa network
- Co-op Rewards loyalty program
- Contactless payment technology
- Good customer service and support
- Available at 170+ branches
- SMS alerts for all transactions
Cons
- KES 2,500 annual fee from year 2
- 18% interest rate (average for Kenya)
- High cash advance fee (5%)
- KES 50,000 minimum income requirement
- No travel insurance included
- Processing time 7-10 days
Customer Reviews
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Product Details
Features
- Visa Classic acceptance worldwide
- Interest-free period up to 50 days
- Credit limit up to KES 1 million
- Cash advance facility available
- Online shopping and payments
- Free monthly statements via email
- SMS transaction alerts
- Contactless payment enabled
- Emergency card replacement worldwide
- 24/7 customer support
Eligibility Requirements
Age: 21 - 65 years
Min Income: Ksh 50,000/month
Employment: Permanent employment, Self-employed, Business owner
Required Documents
- National ID or Passport
- KRA PIN Certificate
- Latest 3 payslips
- Bank statements (6 months)
- Employment letter
- Utility bill (proof of residence)
Ready to Apply?
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