KEMBA Indianapolis Credit Union will be closed on Monday, February 16, 2026 to observe Presidents Day.

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Explore KEMBA Visa Credit Card Options

When it comes to choosing the right credit cards, having options matters. Whether you want to earn rewards on everyday purchases, manage balances with a lower interest rate, or build or rebuild your credit, KEMBA offers three Visa® credit cards designed to fit different financial needs. As a result, you can choose a card that aligns with your spending habits, goals, and stage of life—while enjoying local support and worldwide Visa acceptance.

To help you compare your options, each KEMBA credit card offers distinct features designed for different spending and credit needs.

KEMBA Member Rewards- Flagship Visa Credit Card

MEMBER REWARDS

Ideal for everyday spending, this card lets you earn rewards while managing purchases responsibly.

  • Balance transfer intro rate of 3.99% APR for 12-months*.
  • New purchase intro rate of 3.99% APR for 6-months**.
  • Rewards program with cash back, gift card and travel options.
  • Earn 500 Rewards Points with $100 in purchases during your first 90 days.
KEMBA Member Classic Visa Credit Card

MEMBER CLASSIC

If you typically carry a balance, this card offers a lower-rate option designed to help manage interest costs.

  • Balance transfer intro rate of 3.99% APR for 12-months*.
  • New purchase intro rate of 3.99% APR for 6-months**.
  • Lowest rate option- good for cardholders that tend to carry a balance.
KEMBA Member Secure Visa Credit Card

MEMBER SECURE

For those building or rebuilding credit, this secured card provides a structured path toward stronger credit habits.

  • Our Secured Visa is a great way to establish or rebuild credit history.
  • Credit lines starting as low as $500.
  • Secured with funds on deposit at KEMBA.
  • Review after 1 year to move to a regular Visa card.

In addition to card-specific features, every KEMBA Visa credit card includes local support, convenient account access, and the security and acceptance of Visa worldwide.

KEMBA Credit Card Benefits

Beyond competitive rates and flexible terms, KEMBA credit cards include features designed to make everyday spending simpler and more secure.

As part of your card membership, you’ll also enjoy:

  • Competitive fixed rates and no annual fee
  • US support from KEMBA and our credit card partner, Velera
  • Secure online access and mobile card management
  • Compatibility with digital wallets like Apple Pay, Google Pay, and Samsung Pay

As a result, managing your finances is faster, easier, and safer—wherever you go.

Credit Card Rates

Effective 01/02/2026

For transparency and easy comparison, current credit card rates are outlined below.

Card Type Rates as low as Conditions
Member Rewards Visa 14.25% APR Variable rate, subject to change at any time. No annual fee.
Member Classic Visa 13.15% APR Variable rate, subject to change at any time. No annual fee.
Member Secure Visa 21.00% APR Variable rate, subject to change at any time. No annual fee.

Add Your KEMBA Visa Credit Card to Your Digital Wallet!

For added convenience, you can add your KEMBA Visa credit card to digital wallets such as Apple Pay®, Google Pay™, and Samsung Pay. This allows you to make secure, contactless purchases using your smartphone or smartwatch—whether you’re shopping in-store or online.

 

In addition, digital wallets provide enhanced security through tokenization and added extra convenience for everyday shopping. 

 

For assistance with tokenization for your KEMBA Visa Credit Card, call: 1.855.709.8132

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Download our MyCard Mgr app from your app store today! Manage your KEMBA Visa Credit Card anywhere, anytime! Please note, our credit card app is a separate app from our MyMobile banking app.

KEMBA MyCard Manager App

Manage your KEMBA Visa Credit Card on-the-go!

To make managing your credit card even easier, download the My Credit Card Manager app from iTunes and Google Play.

With this app, you can stay in control anytime, anywhere by:

 

  • Viewing recent and pending transactions
  • Checking your next payment amount and due date
  • Making a payment to your card
  • Reporting a card as lost or stolen
  • Raising a dispute on any transaction

Download the app from the store.

 

To get started, grab your credit card and register on your device—it’s that easy!

 

SAFETY

 

For added peace of mind:

  • You’re protected by 128-bit encryption through your mobile device
  • No personal information is stored on your mobile device

Questions?

 

I’M NOT AN ONLINE BANKING OR MOBILE BANKING USER. CAN I STILL USE THE MOBILE CREDIT CARD APP?

Yes. To start, there is no need to be an Online Banking user to use this service. Instead, enroll in credit card online banking through MyBranch. From there, click on your “Credit Card” account number to begin the registration process.

CAN I USE MY ONLINE BANKING LOGIN CREDENTIALS FOR THE MOBILE CREDIT CARD APP?

No. For security purposes, you must complete the Mobile Credit Card App registration process directly from your smartphone to create login credentials and set up security questions.

 

HOW MUCH DOES THIS SERVICE COST?

Nothing. In fact, this is a free service. However, there may be charges associated with data usage on your phone. For more details, check with your wireless phone carrier.

 

IS IT SECURE?

Yes. To help protect your information, the Mobile Credit Card App uses industry-standard security practices such as HTTPS, 128-bit SSL encryption, and automatic session time-outs.
Additionally, no account data is ever stored on your phone. If your phone is lost or stolen, the service can be immediately disabled by calling the number on the back of your card, visiting MyBranch and accessing your credit card account, or calling our Call Center at 317-351-5235.

 

WHICH WIRELESS CARRIERS ARE SUPPORTED?

Currently, we support all major U.S. wireless carriers, including AT&T, Sprint, T-Mobile, and Verizon.

 

DO I NEED A DATA PLAN?

Typically, a data plan is required when using the app if Wi-Fi is not available. For confirmation, please check with your wireless carrier.

 

WHICH CARDS WILL I BE ABLE TO SEE?

Finally, you can view any KEMBA Credit Union credit card where you are listed as the primary or secondary cardholder.

Answers to your registration questions.

 

HOW DO I REGISTER FOR MOBILE CREDIT CARD?

To get started, download the app from the store, grab your card, and register directly from your phone. During registration, you will verify your identity, select security questions, and create a Mobile Credit Card App User ID and password.

 

HOW DO YOU USE THE INFORMATION THAT I PROVIDE DURING REGISTRATION?

The information you provide is used solely to verify your identity and validate account ownership. In addition, only your security questions and answers, along with your Mobile Credit Card App User ID and password, are stored in our system.

 

WHAT HAPPENS IF I GET A NEW PHONE OR CHANGE PHONE NUMBERS?

If this happens, simply reinstall the app and start using it again.

 

WHAT IF MY DEVICE IS LOST OR STOLEN?

In that situation, there are no special arrangements necessary to suspend the app or card.

Answers to your questions.

 

I FORGOT MY PASSWORD. HOW DO I RESET MY PASSWORD?

To begin, enter your username and tap the Login button. On the next screen, select the “Forgot Password?” link and follow the guided steps to complete the change process.

 

I FORGOT MY USERNAME. HOW DO I FIND OUT WHAT MY USERNAME WAS?

If this happens, select the “Forgot Username?” link on the Login screen. From there, you will be guided through the recovery process.

 

HOW DO I CHANGE MY PASSWORD OR SECURITY QUESTIONS?

Once you’re signed in, open the Mobile Credit Card App and select the Settings button from the Home screen. Then, follow the prompts to complete the update process.

 

WHAT IF I FORGET THE ANSWER TO MY SECURITY QUESTION?

In that case, please call the phone number on the back of your card for assistance.

 

WHAT IF I STILL NEED HELP?

If you need additional support, please call us at 317-351-5235.

APR- Annual Percentage Rate. All credit card offers are subject to credit approval. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice. Terms and conditions apply. Credit, income, and other restrictions apply. Offers may end at any time without notice. All introductory offers are only available for new credit cards. You may not be eligible for introductory credit card offers if you’ve had a KEMBA credit card in the past 24-months. All loans and accounts are subject to approval. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply. Verification and restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice. Credit, income, and other restrictions apply. Offer may end at any time without notice.

 

*Member Rewards and Member Classic Visa. Balance transfer fee of $10 or 2% of the transfer, whichever is greater. After 12-month period, your rate will revert to your standard variable rate.

**Member Rewards and Member Classic Visa new purchase intro rate of 3.99% APR for 6-months. After the intro period, your rate will revert to your standard variable rate.

Apply for a Loan

Existing Members

Existing Members- Login to MyBranch online banking to complete the application.

Non Members

Not a member? Use this application to submit your loan request.

All loans are subject to credit approval and underwriting criteria. Membership with KEMBA is required. If you are a non member, applying for a loan will also initiate a membership application.