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KCB Visa Business Credit Card

The KCB Visa Business Credit Card is designed to give your business the financial freedom to operate smoothly, manage expenses efficiently, and grow with confidence.

Whether you’re managing cashflow, paying suppliers, or handling everyday expenses, this card works as your trusted business partner locally and globally.

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KCB Visa Business Credit Card

Benefits

Benefits

Cashflow Support

Cashflow Support

Access short-term working capital through a revolving credit line, enabling businesses to pay suppliers today and repay later — effectively turning the card into working capital on demand.

Flexible Credit Period

Flexible Credit Period

Enjoy up to 45 days interest-free credit, providing flexibility to manage payment cycles and optimize cashflow.

Convenient Business Payments

Convenient Business Payments

Seamlessly pay for suppliers, online subscriptions, travel, fuel, utilities, inventory, cross-border payments, and other business-related expenses using a single card.

Clear Separation of Business and Personal Spend

Clear Separation of Business and Personal Spend

Designed strictly for business use, the card enables clear separation between personal and business expenses, supporting better financial discipline and governance.

Simplified Reconciliation

Simplified Reconciliation

Access itemized monthly statements that make expense tracking, reporting, and reconciliation faster and more efficient.

Dual Currency Offering (KES & USD)

Dual Currency Offering (KES & USD)

Available in both KES and USD, ideal for businesses with foreign currency transactions, helping reduce exposure to FX fluctuations.

Exclusive Merchant Offers

Exclusive Merchant Offers

Cardholders enjoy access to exclusive global merchant discounts and business-focused offers, enhancing value beyond payments.

(More details: https://smeoffers.poshvine.com/en/)

What We Need From You*

  • Bank statements for the last 6 months.
  • Memorandum and Articles of Association.
  • Certificate of Incorporation.
  • Audited Accounts for the last 2 years.
  • Board resolution from the account signatories.
  • Duly filled credit card application form of each signing staff.

*A bank representative may call you at any time to obtain further information in line with our KYC process. At no point shall you be asked for your PIN or passwords.  Remember, PIN yako siri yako.

 Rates & Fees*

  • Joining fee - Kes 4000. (waived)
  • Annual fee - Kes 4,000.
  • Monthly fee - 3.5% of total amount due.
  • Cash advance interest - 6% of amount accessed.
  • Late payment interest - 5% of outstanding balance.
  • Over limit fee - Kes 1,000.
  • Card replacement fee - Kes 2,000.
  • Supplementary Fees - Kes 4,000.
  • Minimum repayment - 10% of the total billed amount.

*Charges are not inclusive of tax

Interested in KCB Visa Business Credit Card or have a question?

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