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I&M World Credit Mastercard
Discover a world of exclusive lifestyle privileges
I&M World Credit Mastercard
Discover a world of exclusive lifestyle privileges. Keeping you one step ahead with privileges & rewards
I&M Bank Benefits
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Attractive Reward Points
Earn up to 1.5% of your spend when you transact on POS (Point of Sale) or online shopping. 1 Point = KES 1.
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ATMs
Access over a million Mastercard ATMs in over 210 countries
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Security
Card safety controls on I&M Mobile App and Web – PIN management and card lock/unlock facility and Enjoy 3D secure online transactions on applicable websites
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Supplementary card
You can share these wonderful features with your loved ones too. We offer the facility of a supplementary card for your spouse, children, or parents.
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Bill Payment
Convenient payment of bills via mobile money or bank transfer
Mastercard Benefits
Free Airport Lounge Access (Travel Pass) for card holder
Comprehensive travel insurance for card holder, spouse, children and helper: Travel accident insurance | Emergency medical evacuation and repatriation | Medical expenses | In-hospital cash benefits
Travel inconvenience and cancellation insurance: Trip curtailment | cancellation o Trip delay | missed departure | Baggage loss or damage | Baggage delay
Premium memberships for hotels, airlines, car rental and chauffeur discounts
Global emergency services (lost or stolen card reporting, emergency card replacement, emergency cash advance)
Offers and discounts at participating merchants
Offers and discounts on Exclusive Hotels & Resorts
Credit Card Payment
To pay using Mpesa Pay Bill, follow the below instructions: - Go to Mpesa Menu, Lipa na M-PESA - Select Pay Bill - Enter the Business no “872649” - Enter Account Number “Your 16 digit Card Number” - Enter Amount - And finally enter your Mpesa PIN to complete the transaction.
To pay using Mpesa Xpress - Go to "Online Services" on the Home Page, Select M-PESA Xpress and follow the following instructions - Enter the full 16 digit Credit Card Number and amount to pay - Enter your Phone number - You will then receive a pop up on your phone requesting you to enter your Mpesa PIN to complete the transaction (Make sure your mobile device screen is unlocked)
Log in to I&M Bank OTG App or Web • Navigate to ‘Cards’ tab. • Select your credit card • Choose Account • Select Your Card or Another Card • Enter Amount
Visit your nearest I&M Bank branch
Card Tariff and Charges
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Joining Fee
Kes 0
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Supplementary Joining Fee
Kes 0
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Annual Fees
Kes 5,500
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Supplementary Annual Fees
Kes 2,750
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Credit Period
Up to 50 days
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Roll-over Amount
95%
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Minimum Payment
5%
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Cash Advance Limit
60% of credit limit
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Revolving Credit Interest
3.5% per month on actual daily outstanding balance
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Late Payment Penalty Rate
6% flat on outstanding amount
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Over Limit Charge
Kes 5,000
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Cash Advance Charge
6% of cash advanced
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Unpaid Instruments Handling Fees
KShs. 2,500
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Card Replacement Fees
KShs. 1,000
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Credit Life Insurance % of approved limit
0.36% p.a
Terms and Conditions
Some of the features described above may be amended, varied or unavailable at some point in
Issuance of World Credit Mastercard is at the sole discretion of the Bank.
Card issuance is subject to Terms and Conditions of I&M Bank International World Credit Mastercard
Want to apply for Credit Card?
Download the below form and submit to the nearest branch with the required documentation.