Debit Card
Pay, shop and withdraw cash directly from your DTB account with the DTB Mastercard Debit Card. Use your card for contactless payments, ATM withdrawals and secure online purchases locally and internationally, with chip-and-PIN and 3D Secure protection for eligible transactions.
Overview
The DTB Mastercard Debit Card gives you convenient access to money already available in your DTB savings or current account. Use it to pay at merchant outlets, tap at contactless-enabled terminals, withdraw cash from ATMs and make eligible online purchases locally or internationally.
Unlike a credit card, a debit card uses funds from your linked bank account rather than a separate credit limit, helping you pay from money you already have. DTB adds chip-and-PIN technology for physical card security and 3D Secure for supported online transactions.
The card is denominated in Kenya Shillings and is accepted through Mastercard-enabled payment channels, subject to merchant acceptance, account balance, card limits and applicable foreign-exchange or transaction charges.
What You Need to Open an Account
The requirements are as follows:
Requirement
You need an eligible DTB savings account or current account to apply for a DTB Mastercard Debit Card. If you do not already have a DTB account, compare the available personal accounts and choose one that fits how you transact or save.
Benefits
Discover the advantages of banking with Debit Card
Travel
- Enjoy upto 30% discount on your travel booking via the website.
- Enjoy upto 10% off on select properties booked via Hotels.com. Visit the website and use promo code MASTERCARDMEA upon checkout.
- Get 10% cashback into your card when you book your next vacation via Booking.com. Simply register on the website
- Get access to upto 15% off your next car rental and a complimentary upgrade with Avis. Log on to the website
- Enjoy 10% off on your next car rental on Rentalcars.com. Visit the website to make a booking.
- Enjoy 10% discount on your next international roundtrip fare with Travelstart. Visit the website to book.
- Book your visa appointments at a flat fee of USD 15 via Fulfill Visa Assistance. Visit the website to apply for your travel visa.
Retail
- Assorted deals from various local merchants in Kenya. Visit the website to view the deals.
- Get up to 15% off on shopping packages as well as access to VIP lounges at European shopping villages e.g. Bicester village in London, Fidenza village in Milan, La Vallee village in Paris etc. Click on the website to see offers.
- Enjoy 10% off on Farfetch; an online fashion store with over 700 brands from all over the world. Log on to farfetch and use code MASTERCARD10 upon checkout.
- Access MyUS shipping services which allows you to get a MyUs shipping address at check out, free premium membership for 2 years, 30% off shipping for the first month after registration and 20% off for 2 years. Register your card here on the website to access these benefits.
- Enjoy 25% cashback into your card for Jumia Prime membership.
- Get priority access to unforgettable experiences ranging from dining to travel and entertainment. Register on the website and discover the offers.
Purchase Protection
- Eligible electronics purchased using the DTB Debit Card may receive up to 180 days of purchase protection against theft or accidental damage, subject to the applicable Mastercard insurance terms, exclusions and claims process.
Features
Access a comprehensive suite of banking services and tools:
Card network: Mastercard.
Card design: Vertical card with chip-and-PIN technology.
Contactless: Tap & Go enabled on applicable contactless POS terminals.
Online security: 3D Secure enabled on applicable websites.
Currency: Kenya Shillings (KES).
New card application fee: KES 500.
Card replacement fee: KES 600.
Access channels: ATMs, merchant outlets and online payments locally and internationally.
All charges are subject to applicable tax and the latest DTB tariff.
FAQs
A debit card is linked directly to your bank account. When you make an eligible purchase or ATM withdrawal, the amount is deducted from the available funds in your linked account. DTB Mastercard Debit Card is available to eligible DTB savings and current account holders.
You need an eligible DTB savings or current account. Contact DTB or use the Get In Touch option to request the card. The current new-card application fee is KES 500, subject to applicable tax and the latest tariff.
Yes. DTB lists online payments as an access channel, and the card is 3D Secure enabled on applicable websites. Online transactions remain subject to merchant acceptance, available account balance, card controls and applicable limits.
Yes. DTB states that the card supports online payments locally and internationally. Foreign-currency transactions may involve exchange-rate conversion and applicable card FX charges, so check the current DTB tariff before making an international purchase.
Yes. DTB positions the Mastercard Debit Card for local and global acceptance at supported ATMs, merchant outlets and online payment sites. Actual acceptance depends on the Mastercard network, merchant or ATM, card status and applicable transaction controls.
Yes. The card is Tap & Go enabled for applicable contactless POS terminals. Look for the contactless symbol at the payment terminal and follow any PIN or verification prompt that appears.
DTB's debit card uses 3D Secure on applicable online merchants, adding an authentication layer to supported e-commerce payments. The physical card also uses chip-and-PIN technology. Customers should still protect card details, PINs and one-time passwords and report suspicious activity promptly.
An ATM card is mainly used to access cash and selected ATM services, while a debit card can typically be used for ATM withdrawals, merchant purchases and online payments. DTB Mastercard Debit Card supports ATMs, merchant outlets and online payments.
A debit card spends money from your linked bank account, while a credit card uses an approved credit limit that you repay later under the card terms. A debit card can be suitable when you want everyday card convenience without borrowing for each purchase.
DTB's Debit Card product page currently states a maximum DTB ATM withdrawal of KES 100,000, while DTB's General FAQs state KES 70,000. DTB should confirm the current applicable debit-card ATM limit before this answer is published.
The current published new-card application fee is KES 500. All charges are subject to applicable tax and may change under DTB's latest tariff.
DTB currently publishes a card-replacement fee of KES 600, subject to applicable tax and the latest tariff.
Contact DTB immediately through its official customer-support channels so the card can be blocked or managed appropriately. Do not wait for an unauthorized transaction before reporting a missing card.
Yes. The card can be used at supported merchant outlets and contactless-enabled terminals. Payments are subject to available funds in your linked DTB account, merchant acceptance and applicable card limits.
Yes. A debit card can be a suitable option if you want to shop, pay online and withdraw cash using money already in your bank account rather than an approved credit limit. DTB Debit Card is linked to an eligible DTB current or savings account.
DTB's current tariff lists debit-card transactions at merchant outlets as free. Other charges can still apply, including foreign-exchange charges on qualifying international transactions, ATM fees and applicable taxes. Check the latest tariff for the transaction you plan to make.
DTB currently lists selected Mastercard travel and retail offers plus eligible purchase protection for electronics. Partner offers, discounts, cashback, promo codes and insurance terms can change, so verify the current benefit and eligibility before relying on it.
Yes. You can use the DTB Debit Card for supported merchant payments and contactless Tap & Go transactions, allowing you to pay directly from your linked bank account instead of carrying cash.
Compare card issue and replacement fees, ATM charges and limits, merchant and online-payment support, international acceptance, contactless capability, online security, FX charges, linked-account requirements and useful card benefits. DTB combines Mastercard acceptance, contactless payments, 3D Secure, ATM access and local/international online usage under its current product terms.
DTB offers cardless ATM withdrawal through its mobile banking and USSD channels for eligible customers. The current General FAQs describe a daily cardless-withdrawal limit of KES 40,000. Follow the DTB app or *382# instructions and use the OTP at a supported DTB ATM.
