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Omni-Trust Bank Kenya
Banking Made Simple

Gold Rewards Card

Earn 2x reward points on dining and lifestyle purchases. Enjoy dining discounts at 200+ partner restaurants and entertainment venues.

Key Features

  • 2x points on dining and lifestyle
  • 1.5x points on all other purchases
  • 200+ restaurant partner discounts
  • Movie ticket buy-one-get-one offers
  • Extended warranty on purchases
  • Purchase protection insurance

Rates & Charges

  • Annual Fee: KES 5,000
  • Points Value: 1 point = KES 0.40
  • Interest Rate: 2.2% per month
  • Foreign Transaction: 2.75%

Eligibility Requirements

  • Minimum gross income KES 75,000/month
  • Clean credit bureau record
  • Age 21-65 years

Required Documents

  • 📋 National ID or Passport — Bring to branch
  • 📋 Latest 3 months payslips — Bring to branch
  • 📋 KRA PIN Certificate — Bring to branch

Frequently Asked Questions

Find answers to common questions about our services.

Which restaurants offer discounts?
Over 200 restaurants across Nairobi, Mombasa, Kisumu, and Nakuru participate in our dining program. The full list is available on our app under "Offers".
Yes, after 12 months of good account management and subject to meeting the Platinum income threshold, you can request an upgrade with all accrued points transferred.
Items purchased with your Gold card are protected against theft or accidental damage for 90 days from purchase, up to KES 200,000 per item.

Terms & Conditions

The Gold Rewards Card is subject to the Credit Card Terms and Conditions and the Rewards Program Terms. Partner restaurant discounts and offers are subject to change without notice. The Bank does not guarantee the availability or quality of partner services.

Purchase protection is underwritten by our insurance partner and subject to the policy terms and conditions. Claims must be filed within 30 days of the incident.

Ready to Get Started?

Open your Gold Rewards Card today. Visit any branch or apply online.

Apply for Gold Rewards Card

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