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
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Payment Network


Card Fees

  • Joining fee: Ksh3500
  • Annual Fee: Ksh4000

Account features

  • Minimum net Income: Ksh80K
  • Card Limit: From ksh300K


  • 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


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


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

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