What are the requirements for KCB Gold Credit Card?

To qualify for KCB Gold Credit Card from Kenya Commercial Bank, you typically need: Copy of ID/Passport, KRA PIN Certificate, Last 3 months payslips (if employed). Minimum income requirement is KES 30,000 per month. Age requirement: 21-65 years.

How long does KCB Gold Credit Card approval take?

KCB Gold Credit Card from Kenya Commercial Bank typically takes 7-10 working days for approval. Digital applications may be processed faster than in-branch applications.

What is the interest rate for KCB Gold Credit Card?

KCB Gold Credit Card offers 3.5% per month (42% p.a.). Actual rates may vary based on your credit profile, income, and relationship with Kenya Commercial Bank.

Is KCB Gold Credit Card available in my area?

KCB Gold Credit Card is available in Nairobi, Mombasa, Kisumu, Nakuru, Eldoret, Thika, Malindi, Machakos, Ruiru, Kikuyu. You can apply online or visit any Kenya Commercial Bank branch.

What are the fees for KCB Gold Credit Card?

KCB Gold Credit Card charges no processing fee. Annual fee is KES 4,000. Always confirm current fees with Kenya Commercial Bank before applying.

Credit Card

KCB Gold Credit Card

Kenya Commercial Bank

Last updated: November 14, 2025

Reviewed byPesaMarket Research Team

|Last verified: Nov 14, 2025

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Interest Rate

3.5% per month (42% p.a.)

Credit Limit

Ksh 50,000 - Ksh 1,000,000

Approval Time

7-10 working days

Processing Fee

Ksh 4,000/year

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Pros & Cons

Pros

Competitive interest rate
Good reward program
Free airport lounge access
Wide acceptance across Kenya
M-Pesa integration for bill payments

Cons

Annual fee applies
High foreign transaction fee
Minimum income requirement might be high for some

Expert Analysis

KCB Gold Credit Card targets middle to upper-income Kenyans seeking a balance between benefits and affordability. The 2.5% monthly interest rate (30% p.a.) is competitive for Kenyan credit cards. Credit limits from KES 50,000 to KES 500,000 suit most personal and business travel needs. The 45-day interest-free period on purchases is valuable for those who pay balances in full. Rewards points and travel benefits add value for frequent users. The KES 4,500 annual fee is justified if you use the card regularly, but occasional users should consider whether the benefits outweigh the cost.

Best For

Regular online shoppers (local and international)
Business travelers needing hotel and flight bookings
Professionals wanting to separate personal and business expenses
Those building credit history for future mortgages
Users who can pay full balance monthly to avoid interest

Common Rejection Reasons

Income below KES 50,000 monthly
Employment less than 1 year at current position
Any CRB adverse listing
High existing debt-to-income ratio
Non-KCB customer without substantial deposits

How It Compares

KCB Gold offers good value compared to premium cards like Visa Infinite but lacks some luxury perks. Against Equity credit cards, KCB may have stricter requirements but offers more comprehensive rewards. For basic needs, the KCB Classic card at lower annual fee might suffice.