KCB,Visa Launches Business Credit Card for Kenyan SMEs

KCB Bank Group has partnered with Visa to introduce a new Business Credit Card tailored specifically for small and medium-sized enterprises in Kenya. The launch reflects a strategic push to empower SMEs with smarter financial tools that improve cashflow management, strengthen expense control, and simplify payments for everyday business needs. As SMEs continue to anchor Kenya’s economic growth, access to flexible and structured financing solutions remains critical.

The new business-focused credit card provides SMEs with a revolving credit line and up to 45 days of interest-free credit, offering much-needed breathing room for working capital management. By easing short-term liquidity pressures, the solution allows entrepreneurs to focus on scaling operations rather than constantly managing cash constraints. Businesses can also choose between a Kenya Shillings or US Dollar card, enabling seamless handling of both local and international transactions.

Beyond access to credit, the solution is designed with structured expense management in mind. It includes employee cards with customised spending limits, detailed monthly reconciliation statements, and clear separation between personal and business expenses. These features enhance transparency, strengthen internal controls, and improve financial discipline within growing enterprises that often struggle with visibility on spend.

Cardholders will also benefit from Visa Commercial Offers, unlocking access to global and local merchant discounts that help reduce operational costs. As more SMEs digitise their procurement, payments, and service subscriptions, these savings can directly improve margins and support sustainable business growth. The solution aligns with KCB’s broader digital and innovation strategy aimed at delivering seamless, customer-centric financial services.

According to KCB and Visa leadership, the partnership is focused on enabling faster, more efficient payment systems that reduce downtime and unlock growth opportunities for businesses. By combining access to financing, smarter expense management, and global payment capabilities, the KCB-Visa Business Credit Card positions SMEs to operate more efficiently and contribute even more strongly to Kenya’s evolving digital economy.