You need a DTB Bank account and must submit the required credit-card application documents. DTB publishes separate document requirements for employed and self-employed applicants. Approval and the credit limit are subject to DTB's credit assessment and applicable terms.

Yes. DTB publishes an application route for self-employed individuals. Current requirements include business registration or incorporation documents, personal and business KRA PIN Certificates, six months of certified company bank statements, identification, a passport photo, a DTB Bank account and a current trading licence where applicable.

DTB currently requires the latest three months' payslips, ID or passport, KRA PIN Certificate, six months of certified bank statements if you do not bank with DTB, a passport photo, a DTB Bank account and, for non-Kenyan citizens, a work permit or alien certificate.

The current annual fee is KES 5,000. DTB lists no joining fee. All fees are subject to applicable tax and may change under the latest tariff.

DTB's live product page and current tariff publish an interest rate of 3.5% per month. Interest is a cost of borrowing, so review how it applies to your statement balance and repayment behaviour before using the card for credit.

DTB currently requires a minimum repayment of 15% of the total outstanding balance. Paying only the minimum can leave a balance that continues to attract applicable interest and charges, so pay more whenever your budget allows.

DTB currently advertises a 5% cashback promotion on qualifying spend at selected supermarkets and merchants categorized as Eating Places & Restaurants in Kenya. Cashback is capped at KES 250 per category per month at card-account level, for a current maximum of KES 500 per month across the two categories. Promotion terms can change.

The live page currently lists Carrefour, Chandarana, Naivas, Quick Mart, On The Way, Zucchini and Magunas. Cashback depends on DTB's current promotion terms and merchant coding, so verify the active list before relying on the benefit.

Qualifying transactions at domestic merchants correctly categorized by Mastercard as Eating Places & Restaurants currently earn 5% cashback under DTB's promotion, subject to the KES 250 monthly restaurant-category cap and other promotion terms.

It can be relevant to occasional travellers because it supports international card use and DTB lists selected Mastercard discounts across travel bookings, hotels, car rental, ride-hailing and other travel services. Compare the annual fee, foreign-exchange charge and the partner benefits you will actually use.

Yes. DTB lists online payment sites among the card's access channels. Transactions remain subject to merchant acceptance, available credit, card controls, applicable limits and foreign-exchange charges for foreign-currency purchases.

Yes. The card is a Mastercard and DTB positions it for payments at home, abroad and online. International acceptance depends on the merchant or ATM and Mastercard network, while foreign-currency transactions are subject to conversion and applicable DTB FX charges.

DTB currently states that eligible purchases can be protected against theft or accidental damage for up to 180 days. Published cover is up to USD 2,000 per claim and USD 5,000 in a 12-month period, subject to the insurer's terms, exclusions and claims process.

DTB currently charges 5% of the amount withdrawn as a cash-advance fee. Cash withdrawals on a credit card can be expensive, so check whether interest or other charges also apply and consider lower-cost alternatives when possible.

DTB currently publishes a late-payment charge of 5% of the minimum amount due. Late payment can also leave an outstanding balance attracting applicable interest, so make at least the required payment by the statement due date.

DTB currently charges 5% of the amount by which the account exceeds the approved credit limit. Staying within the approved limit helps avoid this charge and makes the card easier to manage.

Yes. DTB currently lists a supplementary card fee of KES 2,500 and states that this fee is waived. Spend on primary and supplementary cards is aggregated at card-account level for the current cashback caps.

A debit card uses money already available in your bank account, while a credit card uses an approved credit limit that you repay later. A credit card can provide short-term payment flexibility and card benefits, but it also has interest and fee obligations. Choose based on whether you need credit and can repay it responsibly.

Compare the annual fee, monthly interest rate, minimum repayment, cashback or rewards, travel benefits, foreign-exchange charges, purchase protection, cash-advance cost, supplementary-card pricing, eligibility and how widely the card is accepted. DTB Platinum currently combines a KES 5,000 annual fee with Mastercard acceptance, selected travel/shopping benefits, purchase protection and an eligible cashback promotion.

It depends on your spending and repayment behaviour. Compare the annual fee with the cashback and benefits you realistically expect to use, and remember that interest and late-payment charges can outweigh rewards if balances are not managed carefully. DTB Platinum's current cashback is capped at KES 500 per month across qualifying supermarket and restaurant categories.