FirstBank of Nigeria Limited has outlined the features and benefits of its Naira Credit Card, positioning it as a flexible financial tool designed to meet the evolving spending needs of customers in an increasingly digital and global economy.
The bank said the card provides users with a reliable and secure payment option for everyday transactions, online shopping, and international travel, offering convenience while promoting responsible financial management.
According to FirstBank, the Naira Credit Card is issued in partnership with Visa International, making it acceptable at over 29 million locations and 1.8 million automated teller machines worldwide.
The lender noted that one of the standout features of the card is the provision of up to 45 days of interest-free credit on utilised funds, allowing users to manage short-term financial obligations without immediate repayment pressure.
Explaining how the card works, the bank said it operates as a revolving credit facility, with interest charged at 2.5 per cent monthly on outstanding balances. It added that eligibility is not limited to salary earners, as individuals with investment instruments such as fixed deposits and treasury bills can also apply using them as collateral.
FirstBank further disclosed that customers with a credit limit of ₦1 million and above qualify for the Platinum variant of the card.
Highlighting its key benefits, the bank said cardholders can access credit limits of up to ₦3 million, enjoy flexible repayment options, and monitor transactions through free online account management and real-time alerts. It also emphasised enhanced security through the “Verified by Visa” feature, designed to protect users during online transactions.
Interested customers can apply for the card online via FirstBank’s official website: https://www.firstbanknigeria.com/personal/cards/card-application-form/ or visit any of its branches nationwide.
FirstBank reiterated that the Naira Credit Card is part of its broader commitment to delivering innovative financial solutions that enhance convenience, promote financial inclusion, and support customers’ lifestyle and business needs.
