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Visa Classic Credit Card
A cost-effective Visa Credit Card, for the smart spender.
Visa Classic Credit Card
A cost-effective Visa Credit Card, for the smart spender.
I&M Bank Benefits
Acceptance
The card is accepted worldwide in all Visa accepting ATMs, shops, restaurants, and other Visa merchants as well as for making online purchases.
Attractive Reward Points
Earn 0.3% of your spend amount when you transact on POS (Point of Sale) or online shopping. 1 Point = 1 Kes
Prestige
Prestige as a VISA cardholder and buildup of a recognized credit history
Free credit period
Up to 50 days
Payment
Convenient option to pay up to as low as 20% of the total outstanding balance.
Credit Enhancement
Automatic credit enhancement on renewal, subject to satisfactory usage.
Supplementary cards for family members.
Supplementary cards for family members on request
Visa Classic Benefits
Smart Change - If you already hold a credit card and wish TO SWITCH to the I&M Bank International Visa Classic Card, we will take over the outstanding balance of your old credit card and give you the option for paying this outstanding balance in 3 easy monthly instalments AT ZERO INTEREST RATE
Loyalty Programme - A loyalty points programme that rewards you every time you spend on your classic card.
Smart Pay - Specially in-built financing feature to enable you to make large purchases through your classic card.
Smart Alert: a. Get notified by SMS every time a transaction of over Kshs 3,000 is carried out b. A secure online transaction using Verified by Visa Authorization Code c.
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)
Card Tariff and Charges
Joining Fee
Kes 2,500
Supplementary Joining Fee
Kes 2,500
Annual Fees
Kes 3,000
Supplementary Annual Fees
Kes 1,500
Credit Period
Up to 50 days
Roll-over Amount
95%
Minimum Payment
5%
Revolving Credit Interest
3.5% per month on the actual daily outstanding balance
Late Payment Penalty Rate
Kshs.1,000 or 6% of outstanding amount.
Over Limit Charge
Kes 1,500
Cash Advance Charge
7.5% of cash advanced
Unpaid Instruments Handling Fees
KShs. 2,000
Card Replacement Fees
KShs. 1,000
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 time
Signature Change and Signature Pay facilities are at the discretion of I&M Bank.
Card issuance is subject to Terms and Conditions of I&M Bank International Visa Infinite Credit Card
Please carefully read the Terms & Conditions and applicable charges before applying.
Want to apply for Credit Card?
Download the below form and submit it to the nearest branch with the required documentation