About this Card

The World Mastercard is predominated by the Kenya Shilling currency.

It can be used for ATM cash withdrawals and also to settle purchases/payments via POS terminals and online anywhere in the world.

It is accepted both locally and internationally.


  • Make day to day payments at any POS
  • Enjoy making swipe payments at no charge
  • Enjoy exclusive seasonal offers when swiping*.
  • Enjoy exclusive offers whenever you swipe.
  • Transact internationally
  • Multi-purpose spending companion
  • Make free online transactions
  • Enjoy safe transactions
  • Receive SMS and email notifications for every transaction
  • Valid for 4 years.

Special Benefits

  • No joining fee.
  • Locally & internationally accepted
  • Consolidated email statement detailing all the previous month’s transactions for free
  • Up to 45 days interest free credit
  • Financial flexibility. It requires that you make a payment that equals or exceeds “the minimum payment required” as shown on your statement. The minimum payment is 20% of your total usage.
  • Secure online transactions through Mastercard Secure Code service when making payments. 
  • Conveniently make low value payments globally with your NFC enabled Mastercard World Credit Card.


Issued upon request to all Guaranty Trust Bank (Kenya) Limited individual, business, NGO and corporate account holders. 

Issuance of both Platinum and a World Mastercard is free.

Transaction Limits

  • Local and International ATM daily withdrawals: KES 100,000
  • Local and International POS daily transactions: KES 500,000
  • International Online Daily Transactions: KES 200,000
  • NB: *These limits can be amended upwards or downwards upon request*
  • Card Replacement charge is KES 1,000 Card renewal charge is free
  • A charge of KES 770 or 6% of the transactional amount, whichever is higher, applies on Kenswitch enabled ATM’s. *charge is exclusive of VAT.*
  • A charge of KES 770 or 9% of the transactional amount, whichever is higher, applies on Mastercard branded ATMS abroad. *charge is exclusive of VAT.*
  • POS and online transactions are free.

Credit Limits and Relevant Charges

The World Mastercard credit card is issued to applicants who require limits any amount above Kes 500,000. 

The credit cycle is 45 days.

The Monthly fee is 3% of the total amount due.

Annual subscription charges are;

  • Primary card holder- Kes 6,000+VAT Kes 1,200=Total Kes 7,200.
  • Supplementary card holder- Kes 3,000+VAT Kes 600=Total Kes 3,600.

Credit Card Cycle

The credit card cycle starts on 16th of every month to 15th of the following month Monthly statements are sent on 16th of every month. 

The minimum payment required is 20% of credit card usage, which must be paid before or on the 2nd of the following month (15 day period) to avoid late payment fee. 

(Late payment is charged on the non-paid minimum 20% credit usage)