I&M Bank Limited Visa Gold card Product Details

Rates available from as of 1st April 2021

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I&M Bank Limited

Visa Gold Card

Credit Limit

From ksh300k

Annual Fee

ksh4k (+3500 joining fee)

Interest Rate

3.5% per month

Interest Free Days

50 days

Min net income of Ksh80k to apply

visit website

Payment Network

Visa

Card Fees

‍‍Joining fee: Ksh3500
Annual Fee: Ksh4000‍

Account features‍

Minimum net Income: Ksh80K
Card Limit: From ksh300K‍

Benefits‍

Concierge services
Access to 800+ Airport lounges
Up to $1m in emergency medical expenses cover
Attractive reward points earned when card is used. 1 point = 1 KES that can be redeemed to pay for outstanding balances or supermarket vouchers at Sarit Center, Carrefour, Naivas

Repayment Details‍

Monthly Interest: 3.5%
Interest free period: 50 days
Minimum Repayment amount: 10%‍

Additional Fees‍

Cash advance Fees: 7.5%
Late Payment Fees: 6%
Over the limit Fees: ksh1500
Supplementary Card Fee: ksh2000
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

Pros

50 days interest free
New card (after old one expires) is free

Cons

Joining fee of ksh3500 required
Card replacement (after loss of old one) charged ksh1000
Supplementary card charged ksh2000

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