Banks With The Best Credit Cards In Nigeria

As a business owner, you need a credit card to easily carry out transactions. If you go on business trips often, then it should be an important travel item, too. A credit card helps you take care of expenses that may arise when you travel. If you’re in search of the best credit cards in Nigeria, then you’ve come to the right page. In this article, you’ll be reading thorough information about banks with the best credit cards in Nigeria. You’ll love reading this article!

Banks With The Best Credit Cards In Nigeria 

Here are the banks with the best credit cards in Nigeria:

1. First Bank 

With the First Bank Naira Credit Card, customers can enjoy 45 days of interest-free transactions on utilized funds. This credit card offered by First Bank is an international credit line that is present as a result of the bank’s partnership with Visa. It is accepted for transactions in about 200 countries worldwide.

Features Of The First Bank Naira Credit Card

The following are features of the First Bank Naira Credit Card:

• The First Bank Naira Credit Card has a credit limit of N3 million.
• Customers enjoy an initial 45 days of interest-free transactions.
• The Credit Card transactions can be monitored using the FirstMobile app.
• The Credit Card is of the Naira denomination.
• There’s an interest rate of 2.5% monthly on utilized funds and not on the total amount.

How To Apply

Kindly visit any First Bank branch near you to obtain a First Bank Naira Credit Card.

2. GTBank

GTBank Visa Credit Card is an international credit line that offers transactions only in the US Dollar denomination. Regardless, it can be used to make transactions in other denominations. With this card, any transaction carried out on it is reflected on this account.

Features Of The GTBank Visa Credit Card 

Here are the features of the GTBank Visa Credit Card:

• The GTBank Visa Credit Card can be used for 3 years.
• It uses the Chip and PIN technology to prevent fraudulent activities.
• There’s 24-hour access to funds from over 2 million locations worldwide.
• It can be issued to any customer with N1000.
• The GTBank Visa Credit Card can be used to pay for goods and services online in over 200 countries.

How To Apply

Walk to any GTBank branch near you to request for a GTBank Visa Credit Card.

3. UBA Naira Credit Card

The UBA Naira Credit Card offers endless opportunities to its users. The Credit Card allows users to be able to make transactions with ease. You get discounts at UBA NCC partner restaurants, bars, supermarkets, and other benefits. There’s also a N3 million credit limit for UBA Naira Credit Card customers.

Features Of The UBA Naira Credit Card 

Here are some of the features of the UBA Naira Credit Card;

• UBA Naira Credit Card customers enjoy up to 45 days of interest-free transactions.
• There’s also a maximum credit limit of N3 million on the UBA Naira Credit Card.
• Pay bills and withdraw cash from ATMs at different locations in Nigeria or abroad.
• Get discounted fees at partner restaurants, malls, and lounges with the UBA Naira Credit Card.

How To Apply

To apply for the UBA Naira Credit Card, follow these steps:

Step 1. Download the UBA Naira Credit Card application form.

Step 2. Fill out the form completely with your correct information.

Step 3. Submit this form at any UBA branch close to you.

4. Polaris Bank

The Polaris Visa Naira Credit Card offers convenience in the payment of bills in Nigeria. The Polaris Visa Naira Credit Card is generally accepted across all ATMs in major countries. It opens up a world of benefits and opportunities to the customers.

Features Of The Polaris Visa Naira Credit Card 

Below are the features of the Polaris Visa Naira Credit Card:

• The Polaris Visa Naira Credit Card has a validity of up to 3 years.
• The Credit Card has an interest-free period of 45 days.
• The denomination of the Polaris Visa Naira Credit Card is in Naira.
• The Polaris Visa Naira Credit Card is generally for salary earners.
• Polaris Visa Naira Credit Card holders are eligible for promos or bonuses that may result from merchant outlets.
• Customers have real-time updates via Visa web banking.

How To Apply 

To apply for the Polaris Visa Naira Credit Card, kindly fill out the form on their website to get started.

5. Stanbic IBTC 

The Stanbic IBTC Visa Infinite Naira Credit Card allows customers who have at least N1075 to get access to this card. The card comes with a dedicated lifestyle manager to guide you on how to maximize the best use of your card. They are arguably one of the best banks to get a credit card from in Nigeria.

Features of the Stanbic IBTC Visa Infinite Naira Credit Card

Here are some of the restless of the Stanbic IBTC Visa Infinite Naira Credit Card:

• It offers up to 55 days interest-free days.
• With the Stanbic IBTC credit card, you get a maximum credit limit of N4 million naira.
• The issuance fee for this credit card is just N1075.
• Exclusive credit card benefits to over 700 luxury hotels around the world.
• Free medical and legal referrals during trips.

How To Apply

Visit any Stanbic IBTC branch close to you to get started.

Conclusion 

As you’ve seen above, there are several banks with credit card packages. However, in selecting a bank, choose one that is suitable for your needs. Preferably, select one with features that are tailored to your taste.

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