If you're looking for a credit card in Zambia, there are several great options available, whether you need a high credit limit, travel benefits, or cashback rewards. Here are some of the top credit cards in Zambia for 2025.
1. Absa Platinum Credit Card
A great option for those who want rewards and flexibility.
✅ 1% cashback on local and international purchases
✅ High credit limit of up to K130,000
✅ Up to 50 days interest-free on purchases (if paid in full)
✅ Supplementary cards – get up to 9 additional cards for family
✅ Buy Now, Pay Later repayment options
This is a great choice if you want cashback rewards and a high spending limit.
Learn more
2. Standard Chartered Visa Infinite Debit Card
While technically a debit card, this premium option provides benefits similar to a credit card.
✅ No transaction fees for international purchases
✅ Multi-trip travel insurance (up to 90 days per trip)
✅ Unlimited free airport lounge access worldwide
✅ 24/7 concierge service for travel and reservations
✅ Enhanced security with Verified by Visa and Chip & PIN
Perfect for frequent travelers who want a high-end banking experience.
More details here
3. Stanbic Bank Credit Cards
Stanbic Bank Zambia offers different credit card options based on your needs:
? Gold Credit Card – Lower limits, best for everyday spending
? Platinum Credit Card – Higher limits, additional perks
? Infinite Credit Card – Premium services, travel benefits, and VIP assistance
✅ Competitive interest rates
✅ Global acceptance for payments and withdrawals
✅ Flexible repayment terms
A solid choice if you’re looking for variety and flexible spending options.
Check them out
4. FNB Zambia Credit Cards
First National Bank (FNB) provides some of the best credit card services in Zambia.
✅ Up to 55 days interest-free
✅ Flexible credit limits based on your income
✅ Secure online payments with Verified by Visa
✅ Linked to eBucks Rewards for cashback on spending
FNB offers both standard and platinum credit cards, depending on your financial needs.
Apply here
Things to Consider Before Choosing a Credit Card in Zambia
? Acceptance: Some places still prefer cash, so ensure your card works where you need it.
? Interest Rates: Compare rates to avoid high charges on outstanding balances.
? Rewards & Benefits: Some cards offer cashback, travel perks, and discounts—choose the one that fits your lifestyle.
By selecting the right credit card in Zambia, you can enjoy better financial flexibility, rewards, and security.