Ala...there are very many choices in the market these days. If you are doing Online transactions, esp those on dollars, Dash to a Chase Bank branch, negotiate for a rate, ask them for a Dollar Prepaid Card and tell them to load the dollars in there(The card is free). No extra charges when shopping online. No annual Charges. No Loading/Top up fees. If the transaction you are doing is in dollars, no forex exchange fees. The dollar card also works smoothly for those who get paid online eg Forex traders and you can again withdraw the dollars at branch, selected ATMs or withdraw in Kenya shillings in ALL other ATMs in Kenya. When travelling outside the country, the card can also access cash in whatever currency of the country you are travelling to at ATM or you just swipe at Points of Sale. Works well with Paypal too. No forms to fill when travelling...
This should also work with several cards in the market branded/powered by VISA or Mastercard. Eg Nakumat card which is also free if you are loading instantly. Naivas Card, QuickMart card...Choices are all over these days.
Seems this cards business still needs a lot of demystifying, and I dont think banks are doing a good job in that.