I&M Bank Gold Visa Credit Card

Credit Cards

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About this product


  1. The card allows you to have a free credit facility for up to 50 days.
  2. The card allows you to earn 1 reward point per KES 500 spent and redeem them against the renewal fee automatically.
  3. The card allows you to pay a minimum amount of 15% of your total bill amount or any higher amount or whichever is convenient. You can then carry forward the balance to a better financial month. For this facility you pay a nominal charge of just 3.5% per month.
  4. You can keep your card safe by downloading the I&M SafeCard App. The SafeCard App will allow you to block and unblock your card anywhere anytime straight from your smart phone.


Joining Fees; KES 3,500

Annual Fees; KES 4,000

Over Limit Fees; KES 1,500

Late Payment Fees; 6% of minimum amount due

Cash Advance Fees; 7.5% of the total amount drawn

Supplementary Card Annual Fees; KES 2,000

Monthly Interest Rate; 3.5%


General Requirements

For Salaried Applicants:

You must have a gross income KES 125,000/- per month with net income of KES 75,000/- per month.

  • Completely filled application form.
  • Certified copy of 3 months latest salary slip / pay slip.
  • Certified copies of 6 months current bank statements.
  • Three recent passport size colored photographs. (name,ID/Passport number and signature on reverse)
  • 2 Copies of National ID ( for Kenya citizens / nationals ) or Passport.
  • Copy of the valid work permit. (If non Kenyans)
  • Copy of PIN certificate.

For self-employed / Businessman: Gross business income of KES 125,000/- per month with a Net business income : KES 75,000 per month.

Additional documents for self-employed professionals / Businessman:

  • Copy of registration certificate of business.
  • Copy of current operating license.
  • Copies of last 3 years personal and business income tax returns.
  • Copy of your company's audited accounts for the past 3 years.

Supplementary card applicants need to provide:

  • One recent color passport size photograph(name,ID/Passport number and signature).
  • Copy of the National ID / passport.

Application form


I&M Bank limited

I&M Bank Tower,Nairobi GPO, Kenya
+254 20 322 1000, 0719 088 000

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