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I&M Bank Kenya - I&M Milele Rewards

I&M Milele Rewards

I&M Milele Rewards

The Milele Rewards Program reflects this enduring commitment to you, offering rewards that grow with every transaction, celebrating the lasting relationship between I&M Bank and its valued customers. With Milele Rewards, every transaction takes you closer to exciting benefits, making your banking experience truly rewarding.

Why Join Milele Rewards?

<strong> Automatic Enrollment </strong><br /> No need to sign up! All I&M Debit and Credit cardholders are automatically enrolled in the program.

Automatic Enrollment
No need to sign up! All I&M Debit and Credit cardholders are automatically enrolled in the program.

<strong>Exceptional Earn Rate</strong> <br />Earn up to<strong> 2% of your transaction amount </strong>in Milele Points, one of the most competitive rates in the market.

Exceptional Earn Rate
Earn up to 2% of your transaction amount in Milele Points, one of the most competitive rates in the market.

<strong>100% Payout </strong></br>Points that truly matter—1 Milele Point equals <strong>KES 1 </strong>, offering real value for your spending.

100% Payout
Points that truly matter—1 Milele Point equals KES 1 , offering real value for your spending.

<strong>Unlimited Earning Potential</strong><br /> With no cap on points earned, every transaction helps you unlock more rewards. The more you spend, the more you earn!

Unlimited Earning Potential
With no cap on points earned, every transaction helps you unlock more rewards. The more you spend, the more you earn!

<strong>Unlimited Earning Potential</strong><br /> With no cap on points earned, every transaction helps you unlock more rewards. The more you spend, the more you earn!

Unlimited Earning Potential
With no cap on points earned, every transaction helps you unlock more rewards. The more you spend, the more you earn!

How Does It Work?

1. Earn Milele Points:
Use your I&M Bank Debit or Credit Card for your everyday purchases at POS terminals or online. Earn up to 2% of your transaction value in Milele Points.

2. Track Points:
Easily monitor your Milele Points through the I&M Bank OTG or online banking platform.

3. Redeem Rewards:
Redeem your points for exciting rewards directly through our app or website.

Redemption Options

Discover the flexibility of the I&M Bank Milele Rewards Program with a variety of redemption options tailored to your needs.


  • Flights & Hotels

    Redeem Milele Points for travel on 950+ airlines and stays at 700+ hotels worldwide for business trips or dream vacations.

  • Cashback

    Convert your Milele Points directly into cash, credited to your I&M Bank account.

  • Shop with Points

    Use Milele Points at over 3,000 local merchants, including Carrefour, Textbook Centre, Optica, Naivas, Art Caffe, LC Waikiki, and more.

How to Redeem Your Rewards

  • Log in to your I&M Bank app or online banking portal.

Milele Reward FAQs

You will receive notifications about special promotions, such as bonus point offers, via: · Email · SMS alerts · Push notifications through the I&M Mobile Banking App Be sure to keep your contact details up to date to receive timely information about exclusive offers and promotions to help you earn more Milele Points.

No, Milele Points are not earned on refunded or reversed transactions. If a transaction that initially earned points is later refunded or reversed, the points associated with that transaction will be deducted from your account.

Yes, upgrading to a higher-tier I&M Credit or Debit Card will allow you to earn more points for your transactions. For example, Mastercard World cardholders earn points at a higher rate than Mastercard Platinum cardholders. This means you can accumulate Milele Points faster when you use a premium card for your purchases.

Yes, supplementary cardholders can also earn Milele Points for their eligible transactions. The points earned by the supplementary cardholder will be credited to the primary cardholder's account, allowing the primary account holder to redeem the rewards.

There are no caps or limits on the number of Milele Points you can earn. As long as you continue making eligible transactions with your I&M Debit or Credit Card, you will keep accumulating points with no restrictions.

If you close your I&M Bank card account, any unused Milele Points will be forfeited. It’s recommended to redeem your points before closing your account to avoid losing them.

Yes, international transactions are eligible for Milele Points, and you may even earn triple points for international purchases made with your I&M Bank card.

Yes, recurring payments, such as utility bills or subscription services, qualify for Milele Points, provided they are made with your I&M Debit or Credit Card.

If your card is lost or stolen, you do not lose your Milele Points. They remain in your account and can be accessed once a replacement card is issued. Be sure to report the lost or stolen card immediately to I&M Bank for security purposes.

Points for qualifying transactions, that is Point of Sale (POS) and e-commerce purchases, will typically be credited to your account on the following business day after the transaction is processed. For certain types of transactions, processing may take additional time, and points will appear once fully processed.

If you experience any issues with your Milele Points, such as missing points or difficulties with redemption, you can contact I&M Bank Customer Service for assistance. They can help resolve any problems or discrepancies.

No, Milele Points cannot be transferred to other individuals or accounts. They are intended for the cardholder who earned them. However, you can redeem points for gifts or services that can be shared with others.

Yes, Milele Points are subject to expiration 36 months from the date they were earned. Make sure to redeem your points before they expire to avoid losing them.

If you do not have enough Milele Rewards Points to redeem a particular reward, you can use the Top Up option, which allows you to combine your available points with cash or credit. During the redemption process, select Top Up to cover the remaining balance with a card payment, ensuring you can still claim your desired reward even if your points are not enough. This feature offers flexibility, allowing you to enjoy rewards without waiting to accumulate more points.

7.1 How do I redeem a voucher using Milele Points?
To redeem Milele Points for a voucher, log into the I&M Bank Online Banking portal or mobile app and select your reward option. Once redeemed, you will receive an eVoucher via SMS, which can be used at our various partner merchant locations.
7.2 How do I check my voucher balance?
To check your balance, dial *483*18#, and your balance will be displayed at the top of the dialog box.
7.3 Can I redeem my voucher partially?
Yes, our vouchers allow partial redemptions. Simply enter the amount you wish to redeem when making a payment.
7.4 Where can I use my eVoucher?
You can redeem your voucher at our various partner merchant locations. To make a payment, dial *483*18#, choose "Redeem," enter the branch till number, and specify the amount.
7.5 What is the validity period for eVouchers?
The validity period of the voucher is included in the SMS you receive with the voucher details.
7.6 What if I don’t receive my SMS?
If you do not receive the SMS, ensure you have not opted out of promotional messages. If issues persist, contact the I&M Contact Centre for alternative delivery options, such as email.

To redeem your Milele Points, visit the Milele Rewards section in the I&M Bank Online Banking portal or mobile app. You can browse a variety of reward options, including:
· Airline tickets
· Hotel stays
· Vouchers
· Cashback
Follow the prompts to redeem your points based on your balance and reward preferences.

You can easily track your Milele Rewards Points balance by:
· Logging into the I&M Bank Online Banking platform.
· Checking the I&M Mobile Banking App.
· Referring to your monthly statements, which provide a detailed breakdown of points earned and redeemed.
For additional help, you can contact I&M Bank Customer Service.

Enrollment in the Milele Rewards Program is automatic when you receive and activate your I&M Bank Debit or Credit Card. There’s no separate sign-up process required. You can begin earning points immediately after using your card for eligible transactions.

For every transaction you make using your I&M Debit or Credit Card, you automatically earn Milele Points. The number of points earned depends on your card type and the amount spent:
PRODUCT MILELE POINTS (% OF CARD SPEND)
KES TXNS NON-KES TXNS
MC WORLD CREDIT 0.30% 2.00%
VISA INFINITE CREDIT 0.30% 1.50%
MC WORLD ELITE DEBIT 0.25% 1.00%
VISA GOLD CREDIT 0.15% 1.00%
VISA CLASSIC CREDIT 0.15% 1.00%
MC WORLD DEBIT 0.20% 0.75%
MC PLATINUM DEBIT 0.15% 0.50%
VISA TAMARIND GOLD CREDIT 0.15% 0.30%
VISA PLATINUM DEBIT 0.10% 0.30%
VISA CLASSIC DEBIT 0.10% 0.30%


USD TXNS NON-USD TXNS
VISA USD GOLD DEBIT 0.10% 0.30%

You can redeem your accumulated points for: · Airline tickets
· Hotel stays
· eVouchers
· Cashback

The I&M Bank Milele Rewards Program is a loyalty program designed to reward you for using your I&M Bank Debit or Credit Card. Every time you spend on eligible transactions using your I&M card, you earn Milele Points. These points can be redeemed for various rewards such as travel-related services, vouchers, or cashback. Enrollment in the program is automatic for all I&M Bank cardholders.

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