I&M Visa Infinite Credit Card

Welcome to the world of the I&M Visa Infinite Credit Card that offers you unparalleled services and privileges locally and abroad. Open up the World of Infinite Possibilities.

Airport Lounge Access
• As a Visa Infinite cardholder, you are entitled to free unlimited airport lounge access at more than 800 LoungeKey lounges globally, as well as one free guest per visit. To view the lounges available visit www.loungekey.com/ssavisainfinite
Global Emergency Assistance
• If you lose your Visa Infinite card, Visa is able to block your account, send a replacement card and provide emergency cash.

Travel Insurance
Visa Infinite provides you with comprehensive travel insurance benefits when you purchase travel tickets or make hotel reservations with your Visa Infinite card.You can qualify for up to $1 million in Emergency Medical Expenses cover, for you and your travel companions as per Visa Multi-trip Travel Insurance Terms and Conditions.

• Concierge services
• Flight reservations
• Hotel reservations
• Restaurant reservations
• Car rental reservations
• Event ticket purchases
• Trip planning
• Other general requests

Extended Warranty
• Making purchases with your Visa Infinite card also entitles you to an extended warranty benefit that extends the original manufacturer’s warranty for an item purchased up to 24 months.

Purchase Protection
• When paying with your Visa Infinite card, you will benefit from purchase protection for stolen or damaged goods purchased.
Worldwide Acceptance
• Accepted at over 23 million merchant establishments around the world and over 1.9 million Visa ATMs worldwide in 180 countries.

Digital Access
• Single digital platform for access to benefits www.visapremium.com


Attractive Reward Points
•Earn 1 reward point per KShs. 500 spent using Visa Infinite Credit Card.

Signature Pay
• Special financing arrangements in convenient monthly instalments at concessional rates for specific purchases.
Security – SafeCard App

    • Keep your credit card secure by downloading our unique and innovative SafeCard App. The SafeCard App will allow you to block and unblock your card anywhere, anytime straight from your smartphone. Visit Google Play Store and search for “I&M App” and follow the simple registration process for I&M Safe Card.
    • Secure online transactions using Verified by Visa authorisation code.
    • SMS alerts for all transactions.

Supplementary card

      • You can share these wonderful features with your loved ones too. We offer the facility of a supplementary card for your spouse, children or parents.

Credit Card Payments

Did you know that you can make your I&M Credit Card payments promptly using M-PESA Pay Bill 872649 or alternatively use M-PESA Xpress.

To pay using M-PESA Pay Bill, follow the below instructions:

  • Go to M-PESA Menu, Lipa na M-PESA
  • Select Pay Bill
  • Enter the Business no  “872649”
  • Enter Account Number “Your 16 digit Card Number”
  • Enter Amount
  • And finally enter your M-PESA PIN to complete the transaction

To pay using M-PESA Xpress

  • Click here
  • Enter the full 16 digit Credit Card Number and amount to pay
  • Enter your Phone number
  • You will then receive a pop up on your phone requesting you to enter your Mpesa PIN to complete the transaction (Make sure your mobile device screen is unlocked)


Joining Fee KShs. 5,000
Supplementary Joining Fee KShs. 5,000
Annual Fees USD 75
Supplementary Annual Fees USD 75
Credit Period Up to 50 days
Roll-over Amount 85%
Minimum Payment 15%
Cash Advance 30% of credit limit


Revolving Credit Interest 3% per month
Late Payment Penalty Rate 6% flat on outstanding amount
minimum due (Max KShs. 1,000)
Over Limit Charge KShs. 1,500
Cash Advance Charge 7.50%
Unpaid Instruments Handling Fees KShs. 2,000
Card Replacement Fees KShs. 1,000

Important Notes:

      • Some of the features described above may be amended, varied or unavailable at some point in time
      • Issuance of Visa Infinite Card is at the sole discretion of the Bank
      • Card issuance is subject to Terms and Conditions of I&M Bank International Visa Infinite Credit Card


Interested in I&M Visa Infinite Credit Card?
If you need any help or information about our I&M Visa Infinite Credit Card, please complete the form below so we can quickly get back to you.
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This application must be completed and submitted in person at any I&M Branch, or you can contact us for pickup.