FinanceHero / Kenya / Credit Cards
Compare annual fees, borrowing rates and repayment requirements.
Consumer credit cards
| Card | Annual fee | Borrowing rate | Interest-free period | Minimum payment | Cash / FX fees | Eligibility | Key caveat |
|---|---|---|---|---|---|---|---|
Co-operative Bank of KenyaGold Credit Card | KES 6,000 | 3.5% per month | Not available | 10% of outstanding bill. | Cash: 6% of cash advanced. FX: 3% FX markup. | Not verified | Late-payment charge disputed. Salaried path asks for Co-op salary credits; other applicants should confirm account requirements.Insurance: Bank pays annual credit-limit insurance for Gold.Late fee: Not verified |
KCB Bank KenyaClassic Visa Card | KES 3,000 | 3.5% per month | Up to 45 days for purchases depending on statement timing; pay by due date. | 10% of total billed amount. | Cash: 6% of amount accessed. FX: Not available | KES 30,000 minimum net salary; self-employed applicants need six months statements and qualifying turnover. | Monthly interest is not APR. Insurance and tax additional; numeric late fee withheld because chargeable balance is disputed.Insurance: 0.0380% of amount transacted; tax additional.Late fee: Not verified |
KCB Bank KenyaGold Visa Card | KES 4,000 | 3.5% per month | Up to 45 days for purchases depending on statement timing; pay by due date. | 10% of total billed amount. | Cash: 6% of amount accessed. FX: Not available | Published net-salary band KES 200,000-299,999; self-employed applicants need six months statements and qualifying turnover. | Monthly interest is not APR. Insurance and tax additional; numeric late fee withheld because chargeable balance is disputed.Insurance: 0.0380% of amount transacted; tax additional.Late fee: Not verified |
Standard Chartered KenyaVisa Gold Credit Card | KES 6,000 | 3% per month | Up to 50 interest-free days, subject to card terms; not a cash-advance promise. | Not available | Cash: 5% cash advance fee. FX: Minimum 2.5% FX margin for international purchases/cash transactions. | Minimum monthly net income KES 100,000; bank assessment required. | 3% is monthly, not APR. FX margin is a minimum; interest-free days conditional.Insurance: Credit Shield is optional.Late fee: KES 1,500. |
Standard Chartered KenyaVisa Platinum Credit Card | KES 7,000 | 3% per month | Up to 50 interest-free days, subject to card terms; not a cash-advance promise. | Not available | Cash: 4% cash advance fee. FX: Minimum 2.5% FX margin for international purchases/cash transactions. | Not verified | 3% monthly is not APR. SC-account eligibility unclear; confirm with bank. Interest-free period conditional.Insurance: Credit Shield is optional.Late fee: KES 1,500. |
Checked: 7 Oct 2026 · Sources: co-opbank.co.ke · ke.kcbgroup.com · sc.com
Fees may exclude statutory charges.