Enjoy the security and wider access of card transactions via our range of pre-paid cards.


SBM Debit Card
SBM Debit Card

Enjoy the flexibility and convenience of using your Visa Debit card at any point of sale whether it's in restaurants, convenience stores, fuel stations, online shopping or for your travel.

The SBM Debit Card comes with the following features:

Available in  VISA and UnionPay schemes
Convenience for your everyday transactions at any point of sale
NFC enabled  UnionPay card for Tap n Go payments
Chip enabled cards for enhanced security
Acceptable in over 150 countries worldwide
Free SMS alerts

Fees and Charges

Initial Debit Card issuance - free
Replacement/Renewal fee – Kes. 500.00
Withdrawal fees as per the bank's tariff guide

Terms and Requirements

Card holder must hold an account with SBM bank
Duly filled and signed application form

Visa Gold Credit Card
Visa Gold Credit Card


Don’t feel stranded anymore, get the Visa Gold Credit Card and go about your business without worrying what’s in your pocket. They come with a pocketful of benefits that will help you sort out your finances and design your lifestyle around the things you love. With the Visa Gold Credit Card, you will enjoy the following:

Up to 50 days interest free credit on your purchases
Flexible repayment options for as low as 10% of your outstanding bill
Up to 50% of your credit limit in cash from any ATM displaying a VISA logo
Discounts at selected outlets
Free SMS alerts
Free e-statements
Supplementary Card

Fees and Charges

Free Joining Fee
Minimum credit limit for the card is Kes 20,000.00
Annual Fees KES. 3,000
Card replacement fee KES. 1,000 per card
PIN Replacement KES. 500 per PIN
Cash Advance Fees 6.00% per withdrawal
Over Limit Fees KES. 1,000 per Limit Excess
Late Payment Fees KES. 1,000 per month
Interest is charged at CBR + 4%
Supplementary card KES. 2,000 per card
Processed for salaried customers/ individuals with regular income


Duly filled and signed application form
1 month latest pay slip (provide 2 if salary differs from bank statement)
Copy of Kenyan National ID /Passport
Latest 3 months' bank statements original/certified copies

VISA Prepaid Card
VISA Prepaid Card

Are you travelling, looking for a card to do your online payments for personal and business operations? The SBM Prepaid Card will enable you achieve these hassle free! It comes in USD and KES to provide a secure way to carry your dollars and Kenya shillings locally or abroad, enabling you enjoy our competitive Forex Rates.

Available in the following currencies:
UnionPay: KES only
VISA: USD only
Cards are acceptable in over 150 countries worldwide
Easy card load via Mobile banking, Mpesa, money transfer (EFT, RTGS), cheques or over the counter via our wide branch network
Chip and PIN enabled for secure online transactions
Free SMS alerts
Access to free e-statements upon request
Customer does not need to hold a bank account

Fees and Charges

VISA Card Issuance fees - USD 3 
If initial load of USD 22 is made, the card issuance fee is waived.
VISA Card Replacement fees – Kes 1000/- or USD 10/-
Union Pay Card Issuance fees – Kes 300/- 
If initial load of Kes 2500/- is made, the card issuance fee is waived.
Union Pay Card Replacement fees – Kes 500/-


Completed Prepaid Application form 
Kenyan National ID, Passport or Alien ID 
2 Passport size photos
Indication of next of Kin
Utility bill
Proof of source of funds
In addition for foreigners:
Signed FATCA (Kenyans living in US and US Citizens) or CRS forms (Kenyans living abroad and foreigners)
Visa, Work Permit, Alien Certificate (foreign nationals)


  • Details
Partner Description Locations Dates
SBM Bank cardholders get Kes 250 discount off of the total amount payable with a minumum purchase of Kes 1,000 using the promo code SBMBANKAT3 More here Online retailers on Uber Eats platform 29th of May 2020 – 28th June 2020
Get a 10% Discount when you make the fee payment with your SBM Bank Card. (Debit, Prepaid or Credit Card). At the Invisible Crown School: Call - 0786 325 085 March 2020 – August 2020
Customers enjoy upto 20% discounts on return tickets to London, NY, Amsterdam, Paris, Rome, Geneva, Mumbai,JBG using SBM Cards More here Malindi, Nairobi, Kisumu, Mombasa 17th Feb 2020 – 30th June 2020