Credit Card
Sidian Classic Mastercard Credit Card
Sidian Bank
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
3.5% per month (42% p.a.)
Credit Limit
Ksh 50,000 - Ksh 300,000
Approval Time
7-10 working days
Processing Fee
Ksh 2,000/year
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Accepts M-Pesa statements (rare for cards)
- Low KES 20,000 minimum income
- Low KES 2,000 annual fee
- Free business training vouchers
- MSE-friendly approval criteria
Cons
- No purchase protection insurance
- Lower KES 300K credit ceiling
- Rewards program still launching
- Limited branch network
- Mastercard less accepted in some Kenyan merchants vs Visa
Customer Reviews
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Product Details
Features
- Worldwide Mastercard acceptance at 37+ million locations
- Accepts M-Pesa statements as income proof
- Sidian Mobile Banking integration
- Interest-free period up to 45 days
- Women-in-business discount network
- Low KES 2,000 annual fee
- MSE-focused lending approach
- Free financial literacy training included
Eligibility Requirements
Age: 21 - 60 years
Min Income: Ksh 20,000/month
Employment: Salaried, Self-employed, MSE owner
Required Documents
- Copy of ID
- KRA PIN Certificate
- 3 months payslips or M-Pesa statements
- 6 months bank statements
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