The DTB Platinum Credit Card stands out for Kenyans who want to enjoy special travel offers, dining deals, and a rewarding cashback scheme. The card comes with an affordable Kshs 5,000 annual fee, while new applicants benefit from a free joining fee. With an interest rate of 3.5% per month on outstanding balances, this credit card is tailored for individuals who want premium benefits at accessible costs.

Users can spend in Kenyan shillings and enjoy up to 5% cashback at leading supermarkets, restaurants, and bars in the country. To qualify, applicants need to provide the latest three months’ payslips, a certified bank statement if not banking with DTB, national ID or passport, PIN certificate, and a valid DTB bank account. The card also offers a supplementary option at no additional cost, which is perfect for family use.

How to Apply for the DTB Platinum Credit Card

• Gather your latest three months’ payslips and a national ID or passport.
• If not already a DTB customer, add a certified six-month bank statement.
• Include a PIN certificate and a passport-size photo.
• Open a DTB bank account, if you don’t have one.
• Submit an application form at your nearest DTB branch.

Advantages of the DTB Platinum Credit Card

The most attractive aspect of this card is its 5% cashback offer at major supermarkets like Naivas, Carrefour, and Chandarana, and at restaurants and bars across Kenya. Additionally, there are exclusive travel and shopping discounts at hotels, car rentals, and premium fashion outlets globally, making it ideal for frequent travelers.

Furthermore, DTB Platinum cardholders are protected against theft or accidental damage to purchases up to USD 2,000 per claim. The card is fully integrated for both offline and online transactions, which enables seamless payments in Kenya and abroad.

Downsides to Consider

Despite its strong rewards scheme, the cashback cap of Kshs 500 per month could limit high spenders. The interest rate of 3.5% p.m. also means carrying a monthly balance can become expensive if not managed well.

Some discounts and offers may require registration on partner websites or use of specific promo codes to enjoy the benefits. Not all merchants qualify for cashback due to Mastercard’s Merchant Category Code system, so double-checking eligibility is recommended.

Final Verdict

The DTB Platinum Credit Card is a solid pick for Kenyans who combine international travel, dining, and shopping. Its clear value lies in the generous cashback, extensive merchant offers, and robust purchase protection. For those who pay off their balances monthly and love rewards, it’s a compelling choice.