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I&M Visa Infinite Credit Card
Welcome to the world infinite possibilities
I&M Visa Infinite Credit Card
Welcome to a world of infinite possibilities with the I&M Visa Infinite Credit Card — offering unmatched privileges, personalised services and global access tailored to your lifestyle.
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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Security
Enjoy secure online transactions with Verified by Visa and receive SMS alerts for every transaction.
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Supplementary card
Extend the benefits of your card to your loved ones. Apply for a supplementary card for your spouse, children or parents.
Visa Infinite Benefits
Travel: Enjoy free unlimited access to over 1,400 airport lounges worldwide for you and one guest per visit. Download the Visa Airport Companion (VAC) App to register.
Travel: Comprehensive Insurance: Get coverage for you and your family when you use your card to pay for flights or hotel stays, including trip cancellations and delays.
Lifestyle Concierge Services: Get help with hotel bookings, restaurant reservations, car rentals, event tickets, flight bookings and other general requests.
Shopping: Purchase Protection When paying with your Visa Infinite card, you will benefit from purchase protection for stolen or damaged goods purchased.
Travel: Global Emergency Assistance: If your card is lost or stolen, Visa can block it, issue a replacement and provide emergency cash.
Travel: Access up to $1 million in emergency medical expenses for you and your travel companions under the Visa Multi-trip Travel Insurance policy.
Shopping: Enjoy up to 24 months of additional warranty on purchases made using your I&M Visa Infinite card.
Worldwide Acceptance Accepted at over 23 million merchant establishments around the world and over 1.9 million Visa ATMs worldwide in 180 countries.
Get protection for eligible items bought with your card in case of theft or accidental damage.
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
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Joining Fee
Kes 0
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Supplementary Joining Fee
Kes 0
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Annual Fees
Kes 9,000
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Supplementary Annual Fees
Kes 4,500
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Credit Period
Up to 50 days
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Roll-over Amount
90%
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Minimum Payment
10%
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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 1,500
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Cash Advance Charge
6% of cash advanced
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Unpaid Instruments Handling Fees
KShs. 2,000
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Card Replacement Fees
KShs. 1,000
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Credit Life Insurance % of approved limit
0.36%
Terms and Conditions
Some of the features described above may be amended, varied or unavailable at some point in
Issuance of Visa Infinite Card is at the sole discretion of the Bank.
Card issuance is subject to Terms and Conditions of I&M Bank International Visa Infinite Credit Card
Want to apply for Credit Card?
Download the below form and submit to the nearest branch with the required documentation.