Counter advice, no bank jargon

Which card is right for you? Ask at the counter.

Tell us your situation. We show the real yearly cost first, then the perks — and say plainly who should skip a card.

Take a number: what is your situation?

  1. My first card Easy approval, low limit to start
  2. Low Interest Lower rates if you carry a balance
  3. No annual fee Pay nothing just to keep it
  4. Cashback Money back on everyday spending
  5. Miles and travel Lounges, miles, fewer foreign fees
  • Real yearly cost before perks
  • No one can promise approval — we never do
  • Fine print explained in plain words

Recently added

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NCBA Gold Visa Credit Card

 Visa

Who it's for: Best for frequent flyers who value travel perks and insurance coverage.

  • Annual fee $2.5k
  • Rewards —
  • APR 42%

This card is those who travel often and want added benefits.

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Standard Chartered Visa Platinum Credit Card

 Visa

Who it's for: Frequent diners and fuel users who can maximize cashback rewards.

  • Annual fee $7k
  • Rewards 5%
  • APR 36%

This card is great for those who frequently dine out or fuel up, thanks to its 5% cashback on these categories. However, the high annual fee of KES 7,000 may not justify the rewards for casual spenders.

Recommended View card

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KCB Gold Visa Card

 Visa

Who it's for: Best for consumers who frequently spend and can pay off their balance within the interest-free period.

  • Annual fee $4k
  • Rewards —
  • APR 42%

This card offers substantial rewards and a decent credit limit, making it many consumers.

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ABSA Classic Credit Card

 Visa

Who it's for: Individuals earning KES 40,000+ who prefer a no-fee credit card for occasional purchases.

  • Annual fee $1.5k
  • Rewards —
  • APR 47.88%

The zero annual fee and generous interest-free period make the ABSA Classic Credit Card appealing for occasional spenders. However, its lack of a rewards program may not attract frequent users.

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Equity Bank Classic Visa Credit Card

 Visa

Who it's for: Best for individuals looking for an affordable credit option without the hassle of rewards programs.

  • Annual fee $2.5k
  • Rewards —
  • APR 18%

This card is those seeking low-interest credit options in Kenya.

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