If you’re looking for a credit card that brings premium value, the DTB Platinum Credit Card is worth serious consideration. With a 3.5% monthly interest rate, premium payment flexibility, and exclusive travel and shopping discounts, this is a solid choice for both everyday spending and world travel.

The card has no joining fee and you’ll pay an annual fee of Kshs. 5,000. Users can access up to Kshs. 500 cashback per month—capped at Kshs. 250 per merchant category, including top supermarkets and restaurants in Kenya. Card replacement costs Kshs. 1,000 while minimum monthly repayment is 15% of the balance. Credit protection is a petite 0.5% of your limit.

How to Apply: Step by Step

Applying starts with gathering your documents: three months’ payslips, national ID or passport, KRA PIN, bank statement if you’re new to DTB, and a passport-sized photograph. Non-Kenyans need a work permit or alien certificate. A DTB account is required.

For businesses, include certificate of incorporation, business PIN, six months’ company bank statement, and a trading license if available. All original documents should be certified at a DTB branch before submission.

After preparing your documents, fill in the DTB Platinum Credit Card application form and submit at a DTB branch. The process is efficient and simple for all applicants.

Key Advantages

DTB Platinum Credit Card delivers strong travel perks. Enjoy up to 30% off hotels and flights, 15% discounts at luxury shopping villages, and 10% off at leading online retailers.

Cardholders get exclusive dining discounts both in Kenya and regionally, plus 5% cashback at major supermarkets and restaurants. Purchase protection insures items for theft or damage up to USD 2,000 per claim.

Pitfalls to Consider

The cashback maximum of Kshs. 250 per merchant category may feel a bit modest for heavy spenders. Also, the 3.5% monthly interest is on the higher side, so full repayment is advisable.

Losing access to cashback if a participating merchant is not properly registered can be frustrating, and some perks are only available when paying in full with the card.

Notre verdict

The DTB Platinum Credit Card is excellent for frequent travellers, shoppers, and those who want premium card benefits in Kenya. The card brings real value with its international discounts, robust security, and monthly cashback. You simply need to manage repayments to avoid high interest charges, and confirm eligible merchants for cashback.