Prime Bank’s Visa Individual Credit Cards offer flexible options tailored to Kenyan customers, from Gold starting at Kshs. 250,000 limit to Platinum at Kshs. 1 million and above. Interest rates are competitive (0.75% monthly above the bank’s lending rate) ensuring potential affordability. These cards are available to both Prime Bank account holders and, on approval, to non-account holders based on credit assessment.

How to Apply for a Prime Bank Individual Credit Card

• Fill in an application form online or visit a branch
• Submit your National ID and proof of income
• Undergo a creditworthiness assessment
• Receive approval and get your card issued

Pros of Prime Bank Visa Individual Credit Cards

The cards come with well-segmented credit limits, making them accessible for various incomes. Enjoy global acceptance, fast application, and seamless online payments.

You also benefit from emergency credit access, a wide local and international network, and options for supplementary cards—ideal for families or businesses.

Cons to Consider

Annual fees vary and can be high for Platinum, potentially limiting for some budgets. The interest rate, although competitive, still accrues if you carry a balance.

There are fees for card replacement, PIN reprints, and overlimit charges. Not all applicants may qualify due to the mandatory credit assessment.

Our Verdict

Prime Bank Visa Individual Credit Cards stand out in Kenya for diverse credit limits, online and M-PESA payments, and worldwide use. They suit those seeking flexible, secure credit options. While fees exist, features and flexibility deliver strong value and convenience to qualifying Kenyans.