KCB Gold Credit Card
Kenya Commercial Bank
Ilisasishwa mwisho: November 14, 2025
Mgawanyo wa Ukadiriaji
Faida na Hasara
Faida
- Competitive interest rate
- Good reward program
- Free airport lounge access
- Wide acceptance across Kenya
- M-Pesa integration for bill payments
Hasara
- 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.
Maoni ya Wateja
Hakuna maoni bado
Kuwa wa kwanza kushiriki uzoefu wako na KCB Gold Credit Card
Andika Maoni ya KwanzaShare Your Experience
Maelezo ya Bidhaa
Vipengele
- 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
- Reward points: 1 point per KES 100 spent
- Worldwide acceptance (Visa network)
- 24/7 customer support
- SMS alerts for all transactions
Mahitaji ya Kustahili
Nyaraka Zinazohitajika
- Copy of ID/Passport
- KRA PIN Certificate
- Last 3 months payslips (if employed)
- Last 6 months bank statements
- Certificate of employment or business registration
Uko Tayari Kuomba?
Anza na KCB Gold Credit Card leo. Uidhinishaji wa haraka na viwango vya ushindani.
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