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I&M Bank Credit Cards
Treat yourself with best credit cards in Kenya
I&M Bank Credit Cards
Experience convenience, control and global access with I&M Bank Credit Cards. Our credit cards are designed to fit your lifestyle, offering secure payments, worldwide acceptance, exclusive rewards and smart financial flexibility.
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I&M WORLD ELITE CREDIT CARD
Principal Card Issuance Fees (Joining Fees)
Nil
Supplementary Card Issuance Fees (Joining Fees)
Nil
Principal Card Annual Subscription Fees
KES 8,000
Supplementary Card Annual Subscription Fees
KES 4,000
Card Renewal Fees
NA
Card Replacement Fees
KES 1,000
Re-PIN Generation Fees
NA
Revolving Credit Interest
3.5% per month of the outstanding balance
Balance Inquiry Fees
NA
Mini statement - at I&M Bank ATM
Nil
ATM withdrawal Fees
6% of cash withdrawn
SMS Alert Fees
Nil
Late Payment Fees
6% of outstanding amount
Over limit Fees
KES 1,500
Unpaid Instruments Handling Fees
KES 2,500
I&M World Credit Mastercard
Joining Fee
Kes 0
Supplementary Joining Fee
Kes 0
Annual Fees
Kes 5,500
Supplementary Annual Fees
Kes 2,750
Credit Period
Up to 50 days
Roll-over Amount
95%
Minimum Payment
5%
Cash Advance Limit
60% 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
6% 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
I&M Visa International Tamarind Gold Credit Card
Joining Fee
Nil
Supplementary Joining Fee
Nil
Annual Fees
Kes 6,000
Supplementary Annual Fees
Kes 3,000
Credit Period
Up to 50 days
Roll-over Amount
90%
Minimum Payment
10%
Cash Advance
30% of credit limit
Revolving Credit Interest
3.5% per month on the actual daily outstanding balance
Late Payment Penalty Rate
6% flat on outstanding minimum payment amount on the due date, KShs 1,000/- maximum
Over Limit Charge
Kes 1,500
Cash Advance
Charge 7.50%
Unpaid Instruments Handling Fees
KShs. 2,000
Card Replacement Fees
KShs. 1,000
Credit Life Insurance % of approved limit
0.36% p.a
I&M Visa Gold Credit Card
Joining Fee
Kes 0
Supplementary Joining Fee
Kes 0
Annual Fees
Kes 4,000
Supplementary Annual Fees
Kes 2,000
Credit Period
Up to 50 days
Roll-over Amount
90%
Minimum Payment
10%
Cash Advance Limit
50% of credit limit
Revolving Credit Interest
3.5% per month on the actual daily outstanding balance
Late Payment Penalty Rate
6% flat on outstanding minimum payment amount on due date, Kshs 1,000/- maximum
Over Limit Charge
Kes 1,500
Cash Advance Charge
6% 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
Visa Classic Credit Card
Joining Fee
Kes 0
Supplementary Joining Fee
Kes 0
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
Cash Advance Limit
40%
I&M Visa Infinite Credit Card
Joining Fee
Kes 0
Supplementary Joining Fee
Kes 0
Annual Fees
Kes 9,000
Supplementary Annual Fees
Kes 4,500
Credit Period
Up to 50 days
Roll-over Amount
90%
Minimum Payment
10%
Cash Advance Limit
60% 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 1,500
Cash Advance Charge
6% of cash advanced
Unpaid Instruments Handling Fees
KShs. 2,000
Card Replacement Fees
KShs. 1,000
Credit Life Insurance % of approved limit
0.36%