I&M Bank Visa Infinite Credit Card Product Details

Rates available from as of 1st April 2021
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I&M Bank Limited
Visa Infinite Credit Card
Credit Limit
Set during application
Annual Fee
$75 (+Ksh5k joining fee)
Interest Rate
1.50% per month
Interest Free Days
50 days
Min net income of Ksh300k to apply
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Payment Network


Card Fees

  • Joining fee: Ksh5000
  • Annual Fee: $75

Card features:

  • Minimum Net Income: Ksh300K
  • Card Limit: Set during application


  • 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
  • 10% discount on RRP/ Display Price for items that are not on offer and a 5% discount on RRP/ Display for the items that are already on offer at Armco Kenya
  • 10% discount when you use your I&M Bank credit Card to settle for goods and services from all Optica stores, Kenya
  • Get ksh300 off your bill the first time you shop at Sky Garden and pay using your I&M Bank credit card.

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: ksh5000
  • 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 interest free days
  • New card (after old card expires) is free
  • Relatively low monthly interest of 1.5%


  • Joining fee of Ksh5000 required
  • Card replacement (after loss of old card) charged Ksh1000

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