World Credit Card

Travel with more comfort, protection and privileges with the DTB World Credit Card - a premium Kenya Shilling Mastercard credit card designed for frequent business and leisure travellers. Enjoy complimentary airport lounge access for the cardholder, travel and medical insurance, global emergency card services, selected travel and lifestyle discounts, and eligible cashback, subject to the applicable terms.

Overview

DTB World Credit Card combines flexible credit with premium travel benefits for customers who travel frequently and want added comfort and protection before, during and after a trip.

The cardholder currently receives complimentary Mastercard Travel Pass membership and unlimited complimentary access to more than 1,000 participating airport lounges, subject to the programme's current terms and lounge availability. The card also includes travel inconvenience and travel medical insurance, global emergency card services, and selected discounts on flights, hotels, car rental, shopping and dining.

For everyday value at home, DTB currently offers a 5% cashback promotion on qualifying supermarket and restaurant spend in Kenya. Because this is a credit facility, compare the travel benefits with the annual fee, interest, foreign-exchange charges and repayment obligations before applying.

Benefits

Discover the advantages of banking with World Credit Card

Airport Lounge Access
- Complimentary Mastercard Travel Pass airport lounge membership for the World Credit Card holder.
- Unlimited complimentary lounge access for the cardholder to more than 1,000 participating airport lounges under DTB's current published benefit.
- Complimentary refreshments and snacks may be available depending on the participating lounge.
- To access the benefit, register the DTB World Credit Card in the Mastercard Travel Pass app or website, search the airport/lounge and present the generated digital access code at the lounge.
- Guest access, guest fees, child policies and length-of-stay rules are set by the individual lounge/programme and should be checked before travel.
Travel Discounts & Privileges
- Selected international round-trip flight discounts through participating Mastercard travel partners.
- Selected hotel and serviced-residence discounts and complimentary-night offers, subject to partner terms.
- Selected Hertz and Avis car-rental membership, upgrade and discount benefits.
- Selected visa appointment and other travel-service offers.
- Partner availability, discount levels, promo codes and validity can change; verify each current offer before booking.
Shopping & Dining Benefits
- Selected European shopping-village discounts and VIP benefits.
- Selected online luxury-shopping and international-shipping offers.
- Selected lifestyle rewards and dining offers across participating markets.
- All merchant, membership, discount and promo-code benefits are subject to current Mastercard partner terms.
Travel Inconvenience Insurance
- Baggage loss: up to USD 3,000.
- Baggage delay: up to USD 300.
- Trip cancellation: up to USD 7,500.
- Trip curtailment: up to USD 7,500.
- Trip delay: up to USD 300.
- Missed connection: up to USD 300.
- Claims are subject to the insurer's eligibility, activation, exclusions, documentation and claims terms.
Travel Medical Insurance
- Personal accident insurance: up to USD 500,000.
- Emergency medical evacuation and repatriation: up to USD 500,000.
- Medical emergency expenses: up to USD 500,000.
- Daily in-hospital cash benefit: up to USD 100 per day.
- Coverage is subject to the applicable Mastercard insurance policy terms, eligibility requirements, exclusions and claims process.
Mastercard Global Emergency Services
- Lost or stolen card reporting.
- Emergency card replacement - DTB currently publishes replacement within 24 hours once approved by the issuer.
- Emergency cash advance - DTB currently publishes access within an hour once approved by the issuer.
- Virtual payment concierge support.
- Availability and response times remain subject to Mastercard, issuer approval and local service conditions.
Card Security & Authorization Support
- Mastercard stand-in processing can help eligible transactions continue to be assessed when issuer systems are temporarily unavailable, subject to preset authorization rules.
- Automatic negative-list controls help decline transactions linked to lost, stolen or high-risk card activity.
- These controls support card availability and fraud management but do not guarantee that every transaction will be approved.
5% Cashback Promotion
- 5% cashback currently applies to qualifying spend at selected leading supermarkets in Kenya and domestic merchants categorized by Mastercard as Eating Places & Restaurants.
- Cashback is capped at KES 350 per merchant category per month per primary card account - a current maximum of KES 700 per month across the two categories.
- Primary and supplementary card spend is aggregated at card-account level for the monthly cap.
- The promotional month currently runs from the 15th of one month to the 14th of the next.
- Merchant eligibility depends on the Mastercard Merchant Category Code and current DTB promotion terms.

Features

Access a comprehensive suite of banking services and tools:

Currency: Kenya Shillings (KES).
Joining fee: KES 5,000 - currently waived.
Annual fee: KES 8,000.
Supplementary card: KES 4,000.
Card replacement: KES 600.
Minimum repayment: 5% of the total outstanding balance.
Interest rate: 3.5% per month.
Cash advance: 5% of the amount withdrawn.
Credit protection: 0.5% of the approved credit limit.
Late payment: 5% of the minimum amount due; current tariff states a minimum KES 200.
Excess over limit: 5% of the excess amount; current tariff states a minimum KES 1,000.
Card FX transactions: 7% under the current DTB Tariff Guide.
Access channels: ATMs, merchant outlets and online payment sites.
All charges are subject to applicable tax and the latest DTB tariff.

FAQs

The DTB World Credit Card is a premium Mastercard credit card designed for frequent business and leisure travellers. It combines a revolving credit facility with travel benefits including airport lounge access, travel insurance, selected travel and lifestyle discounts, global emergency services and eligible cashback.

DTB World Credit Card currently includes complimentary Mastercard Travel Pass membership and unlimited complimentary access for the cardholder to more than 1,000 participating airport lounges. Lounge availability and programme terms apply.

Download the Mastercard Travel Pass app or use the Travel Pass website, register using your eligible DTB World Credit Card, then search for your airport and participating lounge. At the lounge entrance, present the digital access code shown in the app, subject to the programme's current verification requirements.

DTB currently publishes unlimited complimentary lounge access for the World Credit Card holder to more than 1,000 participating lounges. This applies to the eligible cardholder under the current programme terms. Individual lounges can have their own access, stay and capacity rules.

DTB's live World Credit Card page specifically describes complimentary access for the cardholder. It does not publish complimentary guest access. Guest availability and charges depend on the Mastercard Travel Pass programme and individual lounge rules, so check the app before travelling.

It is designed specifically for frequent business and leisure travellers and combines lounge access, travel inconvenience insurance, medical travel cover, international card usage, emergency card services and selected travel discounts. Compare those benefits with the KES 8,000 annual fee and applicable foreign-exchange and credit costs based on how often you travel.

Current published travel inconvenience cover includes baggage loss up to USD 3,000, baggage delay up to USD 300, trip cancellation and curtailment up to USD 7,500 each, and trip delay and missed connection up to USD 300 each. Coverage is subject to the insurer's activation, eligibility, exclusions and claims terms.

Yes. DTB currently publishes personal accident cover up to USD 500,000, emergency medical evacuation and repatriation up to USD 500,000, medical emergency expenses up to USD 500,000 and daily in-hospital cash benefit up to USD 100 per day, subject to the applicable insurance terms.

Do not assume every trip is automatically covered. Mastercard travel-insurance benefits can have eligibility and activation requirements, such as how the trip is paid for, as well as exclusions and documentation requirements. Review the current insurance terms before each trip.

Yes. As a Mastercard credit card, it can be used at supported international merchant outlets, ATMs and online payment sites, subject to available credit, merchant acceptance and card controls. Foreign-currency transactions are subject to exchange conversion and DTB's applicable card FX charge.

DTB's current August 2026 Tariff Guide lists a 7% card FX transaction charge for the Mastercard World Reward Credit Card. Check the latest tariff before travelling or making a large foreign-currency purchase.

DTB currently offers a 5% cashback promotion on qualifying supermarket purchases and domestic restaurant/bar transactions classified by Mastercard as Eating Places & Restaurants. Cashback is capped at KES 350 per category per month at card-account level, for a current maximum of KES 700 per month.

The live page currently lists Carrefour, Chandarana, Naivas, Quick Mart, On The Way, Zucchini and Magunas. Merchant lists and Mastercard category coding can change, so verify the current promotion terms before relying on cashback.

Qualifying domestic restaurant and bar transactions correctly categorized by Mastercard as Eating Places & Restaurants currently earn 5% cashback, subject to the KES 350 monthly category cap and other promotion terms.

The current annual fee is KES 8,000. DTB lists a KES 5,000 joining fee that is currently waived. All charges are subject to applicable tax and may change under the latest tariff.

DTB currently publishes an interest rate of 3.5% per month. Because interest is a cost of borrowing, review how it applies to outstanding balances and try to repay more than the minimum whenever your budget allows.

The minimum repayment is currently 5% of the total outstanding balance. Paying only the minimum can leave a balance that continues to attract applicable interest and charges.

DTB currently charges 5% of the amount withdrawn as the cash-advance fee. Credit-card cash withdrawals can be costly, so review the full applicable charges and consider alternatives if the cash need is not urgent.

Mastercard Global Emergency Services supports lost or stolen card reporting. DTB currently states that emergency card replacement can be arranged within 24 hours once approved by the issuer, and an emergency cash advance can be made accessible within an hour once approved, subject to service conditions.

Yes. DTB currently lists a supplementary-card fee of KES 4,000. Spend on supplementary cards is aggregated with the primary card at card-account level for the current cashback caps.

DTB World is positioned more strongly around frequent travel, with complimentary airport lounge access, higher travel-insurance benefits and global emergency services. DTB Platinum has a lower annual fee and also offers travel, shopping and cashback benefits. Compare annual fees, lounge access, insurance limits, cashback caps, FX charges and how often you travel before choosing.

Compare airport lounge access and guest rules, travel and medical insurance, annual fee, foreign-exchange charges, interest rate, minimum repayment, cashback or rewards, hotel/airline/car-rental benefits, emergency card support and international acceptance. DTB World combines unlimited published cardholder lounge access with travel insurance, emergency services and cashback under its current terms.