Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? What's in this guide
Looking for a credit card in Kenya in 2026? These are all 15 credit cards in Kenya that Buzdy currently holds verified data for. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Kenya. It is the set Buzdy has verified data for, from 5 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Kenya
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. Co-op MC Platinum | Co-operative Bank Kenya | Not published | 21.96% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 2. KCB MC Platinum | KCB Bank | Not published | Not published | Rewards points | View → |
| 3. Absa KE MC Platinum | Absa Bank Kenya | Not published | Not published | None published | View → |
| 4. Equity MC Platinum | Equity Bank | Not published | Not published | None published | View → |
| 5. NCBA MC Platinum | NCBA Bank | Not published | Not published | None published | View → |
| 6. Co-op Visa Gold | Co-operative Bank Kenya | Not published | 21.96% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 7. KCB Visa Classic | KCB Bank | Not published | Not published | Rewards points | View → |
| 8. Absa KE Visa Classic | Absa Bank Kenya | Not published | Not published | None published | View → |
| 9. Equity Visa Classic | Equity Bank | Not published | Not published | None published | View → |
| 10. NCBA Visa Classic | NCBA Bank | Not published | Not published | None published | View → |
| 11. Co-op Visa Classic | Co-operative Bank Kenya | Not published | 21.96% per month | Digital wallet, Shopping offers, Supplementary cards | View → |
| 12. KCB Visa Gold | KCB Bank | Not published | Not published | Rewards points | View → |
| 13. Absa KE Visa Gold | Absa Bank Kenya | Not published | Not published | None published | View → |
| 14. Equity Visa Gold | Equity Bank | Not published | Not published | None published | View → |
| 15. NCBA Visa Gold | NCBA Bank | Not published | Not published | None published | View → |
The 15 Credit Cards in Detail
1. Co-op MC Platinum
Bank: Co-operative Bank Kenya
- Annual fee: Not published
- Interest rate: 21.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Co-operative Bank Mastercard Platinum offers exceptional credit limits, complimentary LoungeKey airport lounge access worldwide, dedicated relationship manager, and premium concierge services. Designed for affluent customers seeking luxury benefits and unmatched purchasing power.
2. KCB MC Platinum
Bank: KCB Bank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Rewards points
The KCB Mastercard Platinum is a premium credit card from KCB Bank Kenya, offering enhanced rewards, worldwide Mastercard acceptance, and integration with KCB's digital banking services including M-PESA. It provides premium lifestyle benefits and priority banking services for high-value customers.
3. Absa KE MC Platinum
Bank: Absa Bank Kenya
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
The Absa Kenya Mastercard Platinum is a premium credit card offering worldwide Mastercard acceptance, higher credit limits, and enhanced payment protection. Cardholders enjoy digital banking management, WhatsApp support, and eligibility requires age 18-58 with preferential terms for salary account holders.
4. Equity MC Platinum
Bank: Equity Bank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
The Equity Mastercard Platinum is a top-tier credit card from Equity Bank Kenya, offering premium benefits including worldwide Mastercard acceptance, secure online payments, and priority banking services. Cardholders enjoy ATM access, SMS alerts, and seamless integration with Equity's digital banking ecosystem.
5. NCBA MC Platinum
Bank: NCBA Bank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
The NCBA Mastercard Platinum is a premium credit card from NCBA Bank Kenya, providing worldwide Mastercard acceptance, premium lifestyle benefits, and enhanced security features. It offers priority banking services and comprehensive digital banking access.
6. Co-op Visa Gold
Bank: Co-operative Bank Kenya
- Annual fee: Not published
- Interest rate: 21.96% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Co-operative Bank Visa Gold offers higher credit limits with 24/7 concierge services, 15% off rates at 55,000 hotels in 130+ countries, special airline and hospital discounts, and global acceptance at millions of Visa merchants. Tailored for elevated financial privileges.
7. KCB Visa Classic
Bank: KCB Bank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Rewards points
The KCB Visa Classic credit card offers an accessible way to manage expenses with worldwide Visa acceptance, simple card management through KCB M-PESA integration, and participation in the KCB Card Reward program. It provides a practical solution for everyday purchases with secure online and in-store payment capabil...
8. Absa KE Visa Classic
Bank: Absa Bank Kenya
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
The Absa Kenya Visa Classic is an accessible credit card helping customers build their credit history with worldwide Visa acceptance and a credit limit calculated based on net income. It includes card payment protection plans and can be managed via Absa's digital banking platform and WhatsApp support.
9. Equity Visa Classic
Bank: Equity Bank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
The Equity Visa Classic is an accessible credit card from Equity Bank Kenya, offering worldwide acceptance at Visa merchants, secure online payments, and 24-hour banking access. It comes with ATM withdrawal capability and SMS transaction alerts for real-time spending monitoring.
10. NCBA Visa Classic
Bank: NCBA Bank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
The NCBA Visa Classic is an entry-level credit card from NCBA Bank Kenya, offering worldwide Visa acceptance and secure payment capabilities for everyday transactions. It features online banking integration, contactless payments, and real-time transaction alerts.
11. Co-op Visa Classic
Bank: Co-operative Bank Kenya
- Annual fee: Not published
- Interest rate: 21.96% per month
- Minimum income: Not published
- Verified benefits: Digital wallet, Shopping offers, Supplementary cards
Co-operative Bank Visa Classic provides accessible credit for everyday purchases with global acceptance at millions of Visa merchants and ATMs worldwide. Features secure chip and PIN technology, SMS transaction alerts, and convenient supplementary cards for family members.
12. KCB Visa Gold
Bank: KCB Bank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Rewards points
The KCB Visa Gold credit card from KCB Bank Kenya is designed for life-ready individuals, offering worldwide acceptance at Visa merchants, rewards through the KCB Card Reward program, and integration with KCB M-PESA mobile banking. Cardholders benefit from premium banking features and access to KCB's extensive branc...
13. Absa KE Visa Gold
Bank: Absa Bank Kenya
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
The Absa Kenya Visa Gold credit card offers financial freedom with higher credit limits, worldwide Visa acceptance, and card payment protection plans covering death, disability, critical illness, and retrenchment. Qualification requires an age between 18-58 and salary deposit into an Absa account for higher limits.
14. Equity Visa Gold
Bank: Equity Bank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
The Equity Visa Gold is a premium credit card from Equity Bank Kenya, providing 24-hour access to banking services, secure and convenient online payments, and worldwide acceptance at all Visa merchants. Cardholders receive SMS alerts for transactions and can manage their card through Equity's mobile banking platform.
15. NCBA Visa Gold
Bank: NCBA Bank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
The NCBA Visa Gold credit card from NCBA Bank Kenya provides worldwide Visa acceptance, enhanced card benefits for premium customers, and seamless digital banking integration. Cardholders enjoy secure online and contactless payments with comprehensive transaction monitoring and support.
How to Choose a Credit Card in Kenya
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Regulation — check the issuer's licence on the CBK public register before you apply
Frequently Asked Questions: Credit Cards in Kenya
Which is the best credit card in Kenya for 2026?
The best credit card depends on your priorities. For premium benefits and worldwide acceptance, consider Co-operative Bank Mastercard Platinum or Equity Mastercard Platinum — both include lounge access and travel insurance. For everyday spending without high salary requirements, Absa KE Visa Classic or Equity Visa Classic offer easier eligibility. For low interest rates, Co-operative Bank cards charge 1.83% per month — among the lowest in Kenya. Compare all 6 options in the table above.
What credit score do you need for a credit card in Kenya?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I get a credit card in Kenya without a salary?
Yes. Several Kenyan cards mark Salary/Eligibility as "Not Required" — including Co-operative Bank cards. These are typically secured cards or backed by a fixed deposit. You may need to maintain a relationship with the bank (savings account, salary account) or pledge collateral.
What documents do I need to apply for a credit card in Kenya?
Standard requirements: valid Kenyan National ID or passport, KRA PIN certificate, latest 3 months payslips (for employed applicants), latest 6 months bank statements, proof of address (utility bill or lease agreement), and a recent passport-size photograph. Self-employed applicants may need business registration documents and audited financial statements.
Are credit cards in Kenya safe to use online?
Yes — all credit cards listed here support 3D Secure verification (OTP via SMS), chip-and-PIN technology, and instant SMS alerts on every transaction. Most banks also offer real-time card lock/unlock through their mobile apps and zero-liability protection for unauthorised transactions reported within 24–48 hours.
How does M-Pesa work with credit cards?
You can pay your credit card bill via M-Pesa through Paybill numbers published by each bank (Equity 247247, Co-op 400222, Absa 303030, etc.). Some cards (like Equity Eazzy Banking) integrate directly with M-Pesa for instant transfers. Note: credit cards still earn rewards on swipes; M-Pesa transactions usually do not earn card rewards.
What is the typical annual fee for credit cards in Kenya?
Classic cards: KSh 1,000–3,000/year. Gold cards: KSh 3,000–6,000/year. Platinum cards: KSh 6,000–15,000/year. Some banks waive the first-year fee. Compare exact fees on each product page using the "View Full Details" links above.
Are these credit cards regulated?
All 6 cards in this guide are issued by banks regulated by the Central Bank of Kenya (CBK). Consumer protection is governed by the Banking Act and the CBK Prudential Guidelines. Disputes can be escalated to the CBK or the Office of the Banking Ombudsman.
Related Guides for Kenya
- All banks in Kenya (50+ banks listed)
- Bank branches and ATMs across Kenya
- Compare all credit cards in Kenya
- Best credit cards in Nigeria 2026 (East Africa neighbour)
- Best credit cards in South Africa 2026
- Best credit cards in Egypt 2026
- Savings calculator — plan a credit card payoff
How We Compare Best Credit Cards in Kenya 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers from banks in Kenya. Data is sourced from official bank websites and verified against CBK regulatory filings where available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings or recommendations. Read our full editorial standards.
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