Credit Card
I&M Classic Visa Credit Card
I&M Bank
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
3.25% per month (39% p.a.)
Credit Limit
Ksh 75,000 - Ksh 500,000
Approval Time
5-7 working days
Processing Fee
Ksh 3,000/year
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Lower 3.25% monthly rate than most Tier 3 banks
- Higher KES 500K credit ceiling
- Well-regarded My Card My Life rewards
- Strong East African regional network
- Purchase protection insurance included
Cons
- Higher KES 40K minimum income requirement
- Annual fee of KES 3,000
- 5% cash advance fee
- Minimum age of 23 excludes younger applicants
Customer Reviews
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Product Details
Features
- Worldwide Visa acceptance
- I&M OnTheGo mobile banking integration
- Interest-free period up to 50 days
- Free SMS and email transaction alerts
- Competitive 3.25% monthly rate
- Cash advance up to 40% of credit limit
- I&M Rewards Program (My Card My Life)
- Emergency card replacement worldwide
Eligibility Requirements
Age: 23 - 65 years
Min Income: Ksh 40,000/month
Employment: Salaried, Self-employed, Professional
Required Documents
- Copy of ID/Passport
- KRA PIN Certificate
- 3 months payslips
- 6 months bank statements
Ready to Apply?
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