I&M Bank Limited Visa Classic Credit Card Product Details

Rates available from as of 1st April 2021
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I&M Bank Limited
Visa Classic Credit Card
Credit Limit
Up to ksh300k
Annual Fee
Ksh3k (+2500 joining fee)
Interest Rate
1.50% per month
Interest Free Days
50 days
Min net income of Ksh70k to apply
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Payment Network


Card Fees

  • Joining fee: Ksh2500
  • Annual Fee: Ksh3000

Card features

  • Minimum net Income: Ksh70K
  • Card Limit: Up To ksh300K


  • Attractive reward points earned when card is used. 1 point- 1 KES that can be redeemed balances, Supermarket vouchers at Sarit Center, Carrefour, Naivas.
  • 50 days interest free.

Repayment Details

  • Monthly Interest: 1.5%
  • Interest free period: 50 days
  • Minimum Repayment amount: 15%

Additional Fees

  • Cash advance Fees: 7.5%
  • Late Payment Fees: 6%
  • Over the limit Fees: ksh1500
  • Supplementary Card Fee: ksh1500
  • Card Replacement Fees: ksh1000

Documents Required

  • National ID and 2 Copies
  • 3 recent Passport photos
  • 3 Months Bank statement
  • Latest Payslip
  • KRA Pin
  • T&C Link

Money254 Review


  • Relatively low monthly interest of 1.5%
  • New card (after old one expires) is free


  • Joining fee of ksh2500 required
  • Cash advance charged 7.5%

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