Credit Cards
· Drexosy Editorial Team

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Which Low-Interest Credit Card Is Right for You?

Explore Kenya's top low-interest credit cards. Compare APRs, fees, and perks to find the card that aligns with your spending habits.

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Quick Picks

Best overall: Equity Bank Classic Visa Credit Card.
Best budget: ABSA Classic Credit Card.
Best for travelers: NCBA Gold Visa Credit Card.

Comparing low-interest credit cards

Low-Interest Options

Looking for a credit card with low interest rates? Here are four options to consider, each offering unique benefits tailored to different needs. Whether you’re a frequent traveler or budget-conscious, these cards cover a range of priorities.

Equity Bank Classic Visa Credit Card

Offering the lowest monthly interest rate at 1.5%, the Equity Bank Classic Visa is ideal for those who carry a balance. Despite its KES 2,500 annual fee, the savings on interest can outweigh this cost, especially for heavy card users.

Lowest APR

Equity Bank Classic Visa Credit Card

18%
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ABSA Classic Credit Card

The ABSA Classic Credit Card stands out with zero fees — both annual and joining. It's perfect for those who pay their balance in full each month, avoiding the high 3.99% monthly interest.

ABSA Classic Credit Card

47.88%
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For those who prioritize travel perks, consider the next set of cards that combine competitive rates with substantial benefits for frequent flyers.

Travel-Focused Picks

If travel is a key priority, these cards offer the best perks for globetrotters, balancing interest rates with valuable travel benefits.

NCBA Gold Visa Credit Card

With $1M travel insurance and free lounge access, the NCBA Gold Visa is tailored for frequent travelers. Its standard 3.5% interest rate is mitigated by these significant travel benefits.

Editor's Pick

NCBA Gold Visa Credit Card

42%
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KCB Gold Visa Card

KCB Gold Visa offers Simba Points on all purchases, appealing to those who value earning rewards on daily spending. Though its interest rate is 3.5%, the loyalty program is a notable compensation.

Most Flexible

KCB Gold Visa Card

42%
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These cards provide a range of options depending on your spending habits and travel frequency. For a deeper dive into more low-interest options, check out Navigating Low-Interest Credit Cards: 2026's Top Picks.

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