Credit Limit & Annual Fees

Classic Card
• Customer Limit Range: KES 15,000 – KES 50,000
• Annual Fee: KES 3,500
• Supplementary Card Fee: KES 3,000

Gold Card
• Customer Limit Range: KES 100,000 – KES 199,000
• Annual Fee: KES 6,000
• Supplementary Cards: Free up to 4 cards

Platinum Card
• Customer Limit Range: KES 200,000 and above
• Annual Fee: KES 7,000
• Supplementary Cards: Free up to 4 cards

Secured Credit Card
• Fixed deposit account
• Authority to hold funds in FDR
• 6-month bank statement (if not banking with Co-op)
• Passport photo
• Copy of National ID
• Completed application form

Business Card
• View Business Card Page
• Limit: 10% of 6-month turnover
• Annual Fee: Based on limit tier (KES 3,500–KES 7,000)

Who is Eligible & Requirements

Salaried Individuals
• Minimum of 1 month’s net salary through a Co-op account
• 3 latest payslips
• Copy of National ID
• CRB Report
• Completed application form

MSME Clients
• Branch recommendation
• Minimum average turnover of KES 200,000 (last 6 months)
• Copy of National ID
• Completed application form
• Clear CRB Report

Corporate Clients
• Audited accounts for 2 years (for limits above 500K)
• Minimum average turnover of KES 200,000 (last 6 months)
• Passport photos of directors
• Directors’ ID copies
• CRB reports (company and directors)
• Board resolution, CR12, PIN, and certificate of incorporation

Credit Card Charges

• Interest: 3.5% per month on outstanding balance
• Minimum Repayment: 10% of outstanding bill
• Late Payment Fee: 5% of minimum due amount
• Bonus Fee: 5% of the minimum amount
• Over Limit Fee: KES 1,000
• Cash Advance Fee: 6% of the amount withdrawn (Co-op/other ATMs or over the counter)
• Unpaid Autopay or Cheque Fee: KES 2,500
• Replacement Card Fee: KES 500
• Insurance (Life Cover): 0.39% of credit limit (Gold cards are exempt)