Best Credit Cards in Kenya

With a credit limit reaching up to KES 599,999 and a 50-day interest-free period, the NCBA Gold Visa is built for customers who want spending power without immediate pressure. The card comes with a KES 3,000 joining fee and KES 2,500 annual fee, and charges 3.5% monthly interest after the grace period.

Honestly, if you travel often and earn well, this card gives you solid value—but it’s not worth it if you’re not making full use of the benefits.

The KCB Platinum Visa gives you access to credit from KES 300,000 and lets you spend for up to 45 days before any interest is charged. There’s no joining fee, the annual fee sits at KES 4,260, and monthly interest is 3.5% if you carry a balance.

For anyone earning well and managing their payments smartly, this card returns value—but if you’re not using its features, the fees don’t justify keeping it.

With a credit limit based on your income or cash deposit and up to 45 days interest-free, Equity’s Gold Visa gives you enough space to sort out your spending without stress. They charge a joining fee of KES 7,500 and an annual fee of KES 4,500, with interest kicking in at 3.5% per month if you roll over your balance.

This card makes real sense for someone with steady income and a habit of clearing their dues—it’s reliable, flexible, and fits well into both local and travel spending.

You get up to USD 8,000 in credit with a 50-day interest-free period, which gives you proper breathing space. The annual fee is KES 7,000, and if you don’t clear your balance, you’ll pay 3% monthly interest and 4% for any cash you withdraw on the card.

From where I sit, this is a solid option for folks who clear their bills and want to enjoy premium benefits without juggling multiple cards.

With a credit limit that goes up to KES 300,000 and a 50-day grace period on purchases, the Absa Platinum Credit Card gives you space to breathe before interest (charged at 3.99% per month) kicks in. There’s no joining fee, but they’ll charge you KES 8,000 each year to keep the card active—and you’ll need to show at least KES 200,000 in monthly income to qualify.

In my view, this is a card that rewards sharp, disciplined spenders—but if you’re the type to carry a balance, you’ll end up paying for it dearly.

With up to 55 days interest-free and a limit shaped by your income, Stanbic’s World Card gives you flexibility to spend now and clear later. You’ll pay KES 8,500 annually for the main card, and interest stacks at 3.3% per month if you don’t clear your bill on time.

For someone who’s always flying or spending big and pays off bills sharp-sharp, this card earns its place—but for casual users, it’s just not worth the cost.

This card gives you up to 50 days of interest-free spending, and your limit depends on your income or security held. You’ll pay KES 5,500 per year (and KES 2,750 for extra cards), with monthly interest sitting at 3.5% if you don’t clear your balance.

I’d say this card works well for someone who pays on time, travels now and then, and wants flexibility without paying through the nose—just don’t carry a balance, or it’ll burn you.

You get up to 50 days to pay with no interest, and your limit depends on how strong your application looks. The card costs KES 7,000 per year (joining fee is currently waived), and if you don’t clear your balance on time, you’ll pay 3.5% interest monthly.

I’d say this card makes sense for someone who moves smart with money, travels a bit, and clears their dues fast — but it punishes anyone who’s slow on payments.

You can get up to KES 300,000 in credit and 50 days to sort your payments before interest kicks in. There’s no joining fee, but you’ll pay KES 5,000 every year, and interest runs at 3.5% per month if you roll over your balance.

For someone who clears balances, travels a bit, and knows how to use a rewards card wisely, DTB Platinum is solid — but it’s not the one to sleep on if you’re bad with deadlines.

With a credit limit starting at KES 200,000 and a 30-day interest-free period, this card gives you room to manage your spending without instant pressure. You’ll pay KES 4,000 per year to keep it active, and interest charges land at 3.5% monthly if you carry a balance.

In my view, the Family Bank Gold Card is a fair deal if you keep your balance in check and want flexibility—but it’s a bad move if you’re forgetful or tend to delay payments.

This is a regular bank card that lets you spend what’s already in your account—up to KES 200,000 per transaction on Platinum tier. There’s no joining fee, but you’ll pay KES 50 per ATM withdrawal and a monthly ledger fee of KES 1,000.

This is a simple card for spending your own cash securely, but anyone hoping to stretch finances or build a credit score won’t find value here.

You use what you have—no borrowing, no overdraft—just a clean, simple card linked directly to your KWFT account. Withdrawals at ATMs cost KES 50, and there’s a KES 1,000 monthly ledger fee, but you can tap to pay and shop online with full security.

I’d say this card is great for secure everyday payments, but for anyone looking to grow their credit or enjoy perks, it’s too plain.

You spend what you’ve already saved, no borrowing involved. It’s accepted on Visa ATMs across Kenya, withdrawals cost KES 50, and there’s a KES 1,000 monthly fee to keep the account running.

Honestly, this card works well for people who want a safe and simple way to spend their money, but if you’re chasing rewards or need credit flexibility, you’ll want to look elsewhere.

This card gives you access to your own money, no borrowing, no overdraft—just clean, direct spending from your Uwezo account. ATM withdrawals cost KES 50 a pop, and there’s a KES 1,000 monthly fee to keep things running, but you get the card free and can tap to pay with ease.

I’d say this is a good card for keeping your spending in check, but if you’re chasing rewards or need credit flexibility, this one won’t deliver.

You apply straight from your phone, and within minutes, cash lands in your M-PESA — from KES 1,000 all the way to KES 50,000, depending on your repayment history. Repayment stretches from 1 to 61 days, with daily interest between 0.3% and 0.6%, plus the usual 20% government tax.

I honestly think Tala does a solid job for fast, short-term emergencies—but you need to repay quickly or the cost piles up faster than you expect.