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I&M Bank Mastercard World Elite Credit Card
Welcome to experiences Reserved for the Rare
At a glance
Why this card is reserved for the rare.
Credit Limit up to KES 5M
Scaled to your income and banking relationship.
Interest-Free Period
Enjoy up to 50 days on every statement cycle.
Unlimited Airport Lounge Access
Plus one accompanying guest, every visit.
Mastercard World Elite Privileges
The network's highest tier of benefits.
Global Concierge Services
Travel, dining and lifestyle, arranged for you.
Travel & Lifestyle Rewards
From Booking.com cashback to Global Blue VAT.
Why World Elite
Built around how you actually move through the world.
Travel
Lounge access, hotel privileges and travel insurance that follow you, not just your itinerary.
Prestige
Recognised at the world's finest hotels, airlines and retailers as a mark of standing.
Convenience
A single card and a dedicated concierge handle the details you'd rather not.
Global acceptance
Spend with confidence anywhere Mastercard is accepted, worldwide.
Financial flexibility
Up to KES 5 million in credit and 50 days interest-free to manage cash flow.
Exclusive benefits
Enjoy exclusive benefits, curated for you.
Mastercard Travel & Lifestyle Concierge
A dedicated line for flight, hotel and restaurant bookings, any time.
Airport Lounge Access
Unlimited entry via Travel Pass, plus fast-track security at select airports.
Mastercard Booking Platform
Preferred rates on flights and stays booked directly through Mastercard.
IHG Hotels & Resorts
Member privileges across InterContinental, Kimpton and the IHG family.
Serena Group Hotels
Preferential offers at Serena properties across East Africa.
Travel insurance
Comprehensive travel insurance for added peace of mind, so you can travel with confidence wherever your journey takes you
Airport Fast Track
Get up to 3 complimentary Airport Fast Track services with World Elite Mastercard!
Booking.com discount
Earn discounts on stays reserved through Booking.com.
Farfetch discount
Get up to USD 300 off on selected brands on Farfetch with Mastercard!
Priceless Cities
Curated experiences in the cities you live in and travel to.
Car Rental Privileges
Preferred rates with Avis, Budget and rentalcars.com.
European Shopping Villages
Exclusive offers at Bicester and partner outlet villages.
Emergency Card Replacement
Global assistance if your card is lost or stolen while travelling.
Purchase Protection Benefit
Get reimbursed for stolen or damaged purchased with Mastercard!
Card details
The specifics, when you want them.
- Card personalisation
- Yes
- Application & issuance outlets
- Branch & Online
- Multiple account linkage to 1 card
- Yes
- ATM PIN issuance
- E-PIN
- Card statement generation
- Applicable
- Minimum credit limit
- KES 500,000
- Maximum credit limit
- KES 5,000,000
- Domestic cash withdrawal, daily
- 60% of available limit
- International cash withdrawal, daily
- 60% of available limit
- Billing cycle date
- 12th of every month
- Interest-free credit period
- Up to 50 days
- Roll-over amount
- 95%
- Payment due date
- 20 days from statement date
- Payment / loading mode
- Auto-Debit · Cheque · Cash · Transfer · M-PESA
- Principal card issuance fee
- Nil
- Supplementary card issuance fee
- Nil
- Principal card annual subscription
- KES 8,000
- Supplementary card annual subscription
- KES 4,000
- Card renewal fee
- N/A
- Card replacement fee
- KES 1,000
- Re-PIN generation fee
- N/A
- Revolving credit interest
- 3.5% per month
- Balance inquiry fee
- N/A
- Mini statement (I&M ATM)
- Nil
- ATM withdrawal fee
- 6% of cash withdrawn
- SMS alert fee
- Nil
- Late payment fee
- 6% of outstanding amount
- Over-limit fee
- KES 1,500
- FX markup
- 5%
- Minimum income
- Assessed per applicant
- Banking relationship
- Existing I&M relationship customer
- Documentation
- ID, KRA PIN, income proof
Eligibility
What we'll ask for.
Minimum income threshold
Assessed against your income and existing banking relationship.
Existing I&M relationship
Reserved for established I&M Bank customers.
Required documentation
Valid ID, KRA PIN and proof of income.
Relationship Manager assistance
Your RM guides the application end to end.
How it works
Four steps to your card.
Speak to your Relationship Manager
They'll confirm eligibility and walk you through the card.
Submit documents
ID, KRA PIN and income proof, in branch or online.
Approval
Your application is reviewed and your limit confirmed.
Receive your card
Personalised and ready, delivered to you.
Activation
Three ways to activate your card.
I&M On The Go (OTG)
Mobile App and Web Internet Banking
- Login to OTG Mobile App or Web
- Navigate to the Cards tab and select the new card
- Select Activate Card and submit
- Confirm the OTP sent to your registered number and set a new PIN
Branch or Contact Centre
Toll-free 0800 721 088, 24 hours
- Contact Your Relationship Manager
- Receive a One-Time Password on your registered number
- Visit any I&M Bank ATM, insert the card and follow the prompts to set a new PIN
Card Collection
Collecting in branch
- Our team will guide you through activation on OTG Mobile App or Web
- Or receive an OTP for ATM activation, as above
Ready for the World Elite Credit Card Experience?
Talk to your Relationship Manager, or start your application online today.