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Visa International Gold Credit Card
Visa Gold Credit Card A premium Visa Gold Credit Card, Well Worth Your Signature.
I&M Visa International Gold Credit Card
The I&M Visa International Gold Credit Card is truly a product well worth your Signature. The card is accepted worldwide in all Visa accepting ATMs, shops, restaurants and other Visa merchants as well as for making online purchases. It has attractive features such as encashable loyalty points for usage, SMS alerts for usage to enhance security from fraud, revolving credit and is also available for nominated family members of the main cardholder. Get an I&M Bank International Gold Card and have a whole world of privileges in your purse.
I&M Bank Benefits
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Acceptance
The card is accepted worldwide in all Visa accepting ATMs, shops, restaurants, and other Visa merchants as well as for making online purchases.
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Prestige
Prestige as a VISA cardholder and buildup of a recognized credit history
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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
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Free credit period
Up to 50 days
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Payment
Convenient option to pay up to as low as 15% of total outstanding balance.
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Credit Enhancement
Automatic credit enhancement on renewal, subject to satisfactory usage.
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Supplementary cards for family members.
Supplementary cards for family members on request
Visa Infinite 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
Signature Points - A loyalty points programme that rewards you every time you spend on your classic card. Earn 1 loyalty point for every Kes 500
Smart Pay - Specially in-built financing feature to enable you to make large purchases through your classic card.
SignatureAlert: 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. SafeCard App that allows you to block and unblock your card anytime anywhere.
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 4,000
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Supplementary Annual Fees
Kes 2,000
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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
30% of credit limit
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Revolving Credit Interest
3.5% per month on the actual daily outstanding balance
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Late Payment Penalty Rate
6% flat on outstanding minimum payment amount on due date, Kshs 1,000/- maximum
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Over Limit Charge
Kes 1,500
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Cash Advance Charge
7.50% 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% 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
Ease carefully read the Terms & Conditions and applicable charges prior to applying.
Want to apply for Credit Card?
Download the form from the download section and submit it to the nearest branch with the required documentation.