I think the prudent way they can address this is to contact you like 30 days or so to the date of expiry via your registered email, asking you to confirm renewal and such, and then notify you via email when the card is ready.<div>

<br></div><div>This should be feasible since getting the e-statements for the KCB debit card is just a matter of sending email from your email address which you registered with them, and voila! Within 24 hours you can monitor your card activity online without having to step into the bank to collect the username/password info. These guys have to move with the times!</div>