Prime Bank’s Individual Credit Card comes in three variants: Gold, Classic, and Platinum. Each card is tailored to different credit needs and features competitive interest rates. Credit limits start from less than KSh 250,000 for Classic up to over KSh 1,000,000 with Platinum. Charges are affordable, with annual fees beginning as low as KSh 3,000 for Classic. Joining fees vary, but the Platinum variant offers free joining.

How to Apply

Follow these steps to apply for the Prime Bank Individual Credit Card: fill out the application form at any branch or online, provide a Kenyan ID or passport, attach proof of income, and undergo a credit assessment. Both Prime account holders and non-account holders can be considered subject to approval and due diligence checks.

Advantages

One standout advantage is the flexibility in card choice and credit limit, catering to different types of users. The low annual and joining fees, especially for the Classic and Gold versions, are attractive compared to many other options in the market. International acceptance and the backup of the Visa network mean these cards are welcome nearly everywhere.

Drawbacks

Some users may find the 0.75% monthly debit interest above the lending rate slightly high for cash withdrawals or outstanding balances. Additionally, overlimit and late payment fees can add up if payments are missed, so discipline is important.

Final Verdict

Prime Bank’s Individual Credit Card portfolio provides excellent flexibility, competitive rates, and global acceptance. With easy application steps and options for both account and non-account holders, this offer stands out for Kenyan consumers seeking reliable credit access.