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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
Attractive Reward Points
Earn cash rewards on all POS and e-commerce purchase transactions
ATMs
Access over a million Mastercard ATMs in over 210 countries
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
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.
Bill Payment
Convenient payment of bills via mobile money or bank transfer
Mastercard Benefits
Free unlimited 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)
Merchant offers and discounts at participating retailers
Fulfill visa assistance services (application and booking of visa appointments at a flat fee of USD 15)
Local Benefits: Serena Group of Hotels & Resorts - offers and discounts
City Properties and Luxury Lodges offer
Kampala Serena Hotel - Maisha Spa offer
Jumia Prime - 25% Cashback on Annual Subscription Fee
Quintessence Tailors -10% of the purchased value as credit on future purchases (Offer limited to the first 2 purchases per individual)
UNICAF - offers cardholders a 75% scholarship off program tuition fees to eligible candidates to pursue academic studies with UNICAF partner universities
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)
Convenient payment of bills via mobile money or bank transfer
Card Tariff and Charges
Joining Fee
Kes 2,500
Supplementary Joining Fee
Kshs.1500
Annual Fees
Kshs. 5500
Supplementary Annual Fees
Kshs. 5500
Credit Period
Up to 50 days
Roll-over Amount
95%
Minimum Payment
5%
Cash Advance
Up to 40% of credit limit
Revolving Credit Interest
3.5% per month on actual daily outstanding balance
Late Payment Penalty Rate
6% flat on outstanding amount
Over Limit Charge
Kes 5,000
Cash Advance Charge
7.50% of cash advanced
Unpaid Instruments Handling Fees
KShs. 2,500
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
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.