Introducing the Prime Bank Visa Individual Credit Cards

The Prime Bank Visa Individual Credit Card range presents Kenyan consumers with a mix of flexibility and financial control. With options including Classic, Gold and Platinum, each offers a different level of benefits suited to personal needs.

Credit limits start from below KShs. 250,000 for Classic, KShs. 250,000 up to KShs. 1 million for Gold, and above KShs. 1 million for Platinum. Interest for unpaid balances is 0.75% monthly above the prevailing Bank Lending Rate—competitive for a Kenyan credit card.

The card is open to both Prime Bank account holders and non-account holders, provided reasonable creditworthiness and due diligence are cleared.

How to Apply

Applying for a Prime Bank credit card is straightforward. First, obtain and fill out the application form; you may do this online or in a local branch.

Provide your valid Kenyan ID, proof of income and undergo a credit assessment as part of the process. If approved, you’ll receive your physical card linked to your details.

Afterward, set up online banking or the Prime Mobi app if needed, enabling quick management of your credit account.

Key Pros of Prime Bank Visa Individual Credit Cards

The three-card range allows you to select an option suitable for your spending and budget habits—convenient for different income levels.

With global Visa acceptability, you can shop or withdraw cash internationally. Card charges for statements and copies are free, and Platinum users enjoy free joining fees.

Potential Drawbacks to Consider

Annual fees can be relatively high on Gold and Platinum cards. The interest on outstanding balances is also subject to a variable bank rate, making budgeting more difficult during volatile periods.

Additionally, late payment and over-limit penalties apply, with excise duty added to most card-related charges.

Verdict: Should You Apply?

Prime Bank’s Visa Individual Credit Cards are suitable for users needing flexibility and international features. The varied limits ensure there’s an option for most Kenyans.

If you value convenience, acceptance, and responsibly manage your card, this is a good offer. However, consider the annual costs and interest structure before applying.