Are you looking for a credit card that offers premium benefits and rewards? Look no further than the KCB Bank Kenya Platinum Visa Card. This credit card provides exclusive access to VIP executive lounges around the world, as well as invitations to professional forums and golf tournaments.
As a Platinum Banking customer, you’ll receive top-tier service and enjoy a range of benefits beyond your account.
With the KCB Bank Kenya Platinum Visa Card, you can be confident that you’re getting a premium credit card experience. This card offers a range of benefits, including travel insurance, purchase protection, and emergency card replacement.
You’ll also earn rewards points on every purchase you make, which can be redeemed for a variety of rewards, such as air miles, hotel stays, and merchandise. Plus, with worldwide acceptance at millions of merchants, you can use your card wherever you go.
Whether you’re a frequent traveler or simply looking for a credit card that offers premium benefits and rewards, the KCB Bank Kenya Platinum Visa Card is an excellent choice.
With its exclusive access to VIP executive lounges, invitations to professional forums and golf tournaments, and top-tier service, this credit card is perfect for those who demand the best. Apply today and start enjoying the benefits of the Platinum Visa Card.
Key Features of KCB Bank Kenya Platinum Visa Card
The KCB Bank Kenya Platinum Visa Card is a credit card that offers a range of benefits to its users. Here are some of the key features of this card:
Flexible Repayment Options
With the KCB Bank Kenya Platinum Visa Card, you have the flexibility to choose your repayment options. You can choose to repay between 10% to 100% of the outstanding balance. This gives you the freedom to manage your finances according to your needs.
Interest-Free Period
One of the most significant benefits of using the KCB Bank Kenya Platinum Visa Card is the interest-free period of up to 45 days. This means that you can make purchases and pay back the amount within 45 days without incurring any interest charges.
Exclusive Memberships
As a KCB Bank Kenya Platinum Visa Cardholder, you get automatic membership to the Visa Business Club. This exclusive membership gives you access to a range of benefits, including discounts, offers, and rewards.
Global Access
With the KCB Bank Kenya Platinum Visa Card, you can access over 350 KCB ATMs and 40 million outlets worldwide. This gives you the freedom to make purchases and withdraw cash anywhere in the world.
Exclusive Discounts
The KCB Bank Kenya Platinum Visa Card offers exclusive discounts to its users. For example, you can get a 10% discount when you pay in full using the KCB credit card at Zetu Furniture or any LG Opalnet outlet.
Eligibility Criteria
To be eligible for a KCB Bank Kenya Platinum Visa Card, you need to meet certain criteria. Here are the requirements:
Age
You must be at least 18 years old to apply for the card.
Employment
You must be employed and have a regular source of income. The bank will require proof of income, such as pay slips or bank statements.
Credit Score
You must have a good credit score to be eligible for the Platinum Visa Card. The bank will check your credit history to determine if you are a good candidate for the card.
Fees and Charges
There are fees and charges associated with the Platinum Visa Card. You should be aware of these before you apply. Some of the fees and charges include:
- Annual fee
- Late payment fee
- Cash advance fee
- Foreign transaction fee
It’s important to read the terms and conditions carefully before you apply for the card. This will help you understand the fees and charges associated with the card.
Other Requirements
In addition to the above requirements, you will also need to provide the following:
- Valid identification, such as a passport or national ID card
- Proof of address, such as a utility bill or bank statement
- Completed application form
Overall, the KCB Bank Kenya Platinum Visa Card is a great option for those who are looking for a credit card with exclusive benefits and rewards. If you meet the eligibility criteria, you should consider applying for the card.
How to Apply
If you are interested in getting a KCB Bank Kenya Platinum Visa Card, you need to follow a few simple steps. Here’s what you need to do:
- Visit the KCB Bank Kenya website and navigate to the Credit Card section.
- Choose the Platinum Visa Card option and read through the features and benefits to make sure it’s the right choice for you.
- Check the eligibility criteria to ensure you meet the requirements.
- Fill out the credit card application form. You will need to provide your Kenyan national ID or passport, your KRA PIN, bank statements for the last 6 months if self-employed with an average turnover of Kes. 300,000, 3 months’ salary account bank statement, and latest pay slip with a minimum net salary of Kes. 300,000 and above.
- Submit the application form and wait for a response from KCB Bank Kenya.
It’s important to note that a bank representative may call you at any time to obtain further information in line with their KYC process. At no point shall you be asked for your PIN or passwords. Remember, PIN yako siri yako.
If your application is approved, you will receive your KCB Bank Kenya Platinum Visa Card within a few days. Once you have your card, you can start enjoying the exclusive benefits and rewards that come with it.
Benefits of Using KCB Bank Kenya Platinum Visa Card
If you are looking for a credit card that offers exclusive benefits, KCB Bank Kenya Platinum Visa Card is the perfect solution for you. Here are some of the benefits of using KCB Bank Kenya Platinum Visa Card:
Worldwide Acceptance
KCB Bank Kenya Platinum Visa Card is accepted worldwide, which means that you can use it to make purchases and withdraw cash from ATMs wherever you are. This feature makes it an ideal choice for frequent travelers who need a credit card that they can use anywhere in the world.
Convenience
KCB Bank Kenya Platinum Visa Card offers a wide range of convenient features that make it easy to manage your finances. For example, you can deposit and withdraw cash at KCB ATMs nationwide, which means that you don’t have to worry about finding an ATM that accepts your card.
KCB Bank Kenya Platinum Visa Card comes with flexible repayment options of between 10% to 100% of the outstanding balance, which means that you can choose a repayment option that suits your financial situation.
Security Features
KCB Bank Kenya Platinum Visa Card comes with advanced security features that protect you from fraud and unauthorized transactions. For example, the card comes with 3D security features that ensure that all your transactions are safe and secure.
KCB Bank Kenya Platinum Visa Card comes with exclusive discounts that allow you to save money on your purchases.
In conclusion, KCB Bank Kenya Platinum Visa Card is an excellent choice for anyone who is looking for a credit card that offers exclusive benefits, worldwide acceptance, convenience, and advanced security features.
Fees and Charges
When it comes to choosing a credit card, one of the most important factors to consider is the fees and charges associated with it. Understanding the fees and charges that come with a credit card can help you make an informed decision and avoid any surprises down the line.
Here are the fees and charges associated with the KCB Bank Kenya Platinum Visa Card:
Annual Fee
The KCB Bank Kenya Platinum Visa Card comes with an annual fee of Kes 4,260. This fee is charged once a year and is automatically added to your credit card balance. It is important to note that this fee is subject to change and may vary depending on the terms and conditions of your credit card agreement.
Monthly Fee
In addition to the annual fee, the KCB Bank Kenya Platinum Visa Card also comes with a monthly fee of 3.5% of the total amount due. This fee is charged every month and is based on the balance of your credit card account. It is important to make timely payments to avoid incurring this fee.
Late Payment Fee
If you miss a payment or fail to make the minimum payment on your KCB Bank Kenya Platinum Visa Card, you will be charged a late payment fee of 5% of the due amount. This fee is charged on top of the interest charged on the unpaid balance.
Cash Advance Fee
If you use your KCB Bank Kenya Platinum Visa Card to withdraw cash from an ATM, you will be charged a cash advance fee of 5% of the amount withdrawn or Kes 500, whichever is higher. This fee is in addition to any ATM fees that may be charged by the ATM operator.
Foreign Transaction Fee
If you use your KCB Bank Kenya Platinum Visa Card to make a purchase in a foreign currency, you will be charged a foreign transaction fee of 2.5% of the transaction amount. This fee is charged to cover the cost of currency conversion and is in addition to any other fees and charges that may be associated with the transaction.
Overlimit Fee
If you exceed your credit limit on your KCB Bank Kenya Platinum Visa Card, you will be charged an overlimit fee of Kes 2,500. This fee is charged in addition to any other fees and charges that may be associated with your credit card account.
Read and understand the terms and conditions of your KCB Bank Kenya Platinum Visa Card to avoid any surprises when it comes to fees and charges. By understanding the fees and charges associated with your credit card, you can make informed decisions and use your credit card responsibly.
Customer Support
If you have any questions or concerns regarding your Platinum Visa Card from KCB Bank Kenya, the bank offers several customer support options to assist you.
Contact Center
You can reach the KCB Bank Kenya Contact Center by phone, email, or WhatsApp. The phone numbers are +254711087000, +254732187000, and +254202287001.
If you prefer to send an email, you can reach the Card Support team at [email protected] Alternatively, you can send a message via WhatsApp to +254711087087.
Branches
If you prefer to speak with someone in person, you can visit one of the KCB Bank Kenya branches. You can search for branches by region or branch name on the KCB Kenya Website.
Some of the branches that offer Platinum Banking services include KCB Luanda, KCB Hurlingham, KCB GARSEN, KCB MOGOTIO, and KCB Thika Road Mall Branch.
Online Support
KCB Bank Kenya also offers online support for its Platinum Banking customers. You can access your account information, transfer funds, and pay bills through the bank’s online banking platform. Additionally, you can download the KCB Mobile App to manage your account on the go.
Overall, KCB Bank Kenya provides a variety of customer support options to ensure that its Platinum Visa Card customers have access to the assistance they need.
Frequently Asked Questions
What are the benefits of a Platinum Visa card?
A Platinum Visa card from KCB Bank Kenya offers a premium credit card experience with exclusive benefits such as a dedicated Relationship Manager, preferential deposit and Forex rates, seamless transactions with a Black Card, wealth management services, and convenient online banking.
How do you qualify for a Visa Platinum card?
To qualify for a Platinum Visa card from KCB Bank Kenya, you need to have a good credit score, a steady income, and meet the bank’s eligibility criteria. You can apply for a Platinum Visa card online or at any KCB Bank Kenya branch.
What is the credit limit for a Visa Platinum card?
The credit limit for a Platinum Visa card from KCB Bank Kenya depends on your creditworthiness, income, and other factors. The bank will determine your credit limit based on your application and credit history.
What is the CVV number on a KCB Visa card?
The CVV number on a KCB Visa card is a 3-digit security code located on the back of the card. It is used to verify that you are the owner of the card when making online or phone purchases.
What are the types of KCB Cards?
KCB Bank Kenya offers a variety of cards, including Classic Visa Card, Gold Visa Card, Platinum Visa Card, Gold MasterCard, Visa Signature Credit Card, World Elite Credit Card, Infinite Credit Card, and more. Each card has its own benefits and features.
What are the KCB credit card offers?
KCB Bank Kenya offers various credit card offers, such as discounts on dining, shopping, travel, and entertainment, cashback rewards, free travel insurance, and more. Check the KCB Bank Kenya website or contact the bank for more information on current credit card offers.
Final Thoughts
Congratulations! You have learned about the KCB Bank Kenya Platinum Visa Card, its features, benefits, and rewards. Now, you can make an informed decision about whether this credit card is the best fit for your financial needs and goals.
Before you apply for the Platinum Visa Card, make sure you have the necessary documents such as your Kenyan national ID or passport and your KRA PIN. Also, carefully read the terms and conditions, fees, and interest rates associated with the card to avoid any surprises or hidden costs.
Remember, the Platinum Visa Card is designed for high-net-worth individuals who want exclusive benefits, easy transacting, financing, savings, wealth management, and deals and rewards. If you’re looking for a credit card that offers more basic features and benefits, you may want to consider the Classic Visa Card or the Gold Visa Card.
Overall, the KCB Bank Kenya Platinum Visa Card is a great option for those who want to earn Simba points that can be redeemed for airtime, money, and amazing deals, and enjoy secure transactions with 3D security features. With a dedicated relationship manager, preferential deposit and forex rates, and convenient online banking, you can manage your finances with ease and confidence.
So what are you waiting for? Apply for the KCB Bank Kenya Platinum Visa Card today and start enjoying the benefits and rewards that come with it!
