Visa Gold Naira Credit Card

The Stanbic IBTC VISA Gold Naira Credit Card is our flagship credit card that offers you up to 55 days of interest free purchases. It is the perfect companion, providing you access to secure funds as well as an excellent selection of travel, shopping, dining and lifestyle opportunities. It is accepted over the following channels (ATM, POS, and WEB) and at over 900,000 ATMs & 20 million locations worldwide.

What does it offer you:

Gives you access to a revolving line of credit to pay for goods and services.

Accessible via ATM, POS and web.

Allows you get cash whenever you need it at ATMs worldwide

Up to 55 days of interest free purchases.

Denominated in Naira and linked to a Naira account for repayment.

Chip and PIN enabled for optimal security

Online protection for your web transactions with Verified by Visa®

3 year card validity

Free medical and legal referral during international travels

Eligibility for Priority Pass® (sold separately)

Exciting offers and discounts when you spend locally and internationally

24 hour contact center support

You can make repayments easily with Stanbic IBTC internet banking

You get access to exciting discount offers including:

Avis offers up to 35% discount on standard rates, and up to 30% discount on International Leisure Rates to Stanbic IBTC Visa Gold Credit cardholders. This comes with a complimentary Avis preferred membership. Cardholders can book online at to enjoy this offer.

HotelClub, a global online accommodation specialist, offers Stanbic IBTC Visa Gold Credit cardholders access to great hotels at great rates 365 days a year. As a Stanbic IBTC Visa cardholder you are entitled to an additional 15% off all existing HotelClub offers. To enjoy this offer visit

Visa Global
Stanbic IBTC Visa Gold Credit cardholders are entitled to hundreds of discounts and offers exclusively for cardholders in top travel destinations in the US, UK, Europe and the Middle East. Stanbic IBTC Visa Cardholders can visit: https:/ and search for an offer available in any travel destination.

Transaction limits:

Daily local ATM withdrawals – N150 000

Daily POS transactions – N1,000,000

Daily web transactions – N500 000

Total annual international transactions - $36,000

Daily international ATM withdrawals - $300

(or the equivalent in the currency of the country you are transacting in)

How much will it cost you:



New card fee


Replacing a lost, damaged or expired card


Additional card


Processing fee

1% of limit annually

Commitment fee

1% of limit annually

Annual fee


Default Fee (Late Payment)


Interest rate

2.5% per month

Local ATM (Stanbic IBTC)


Local ATM (non-Stanbic IBTC)

N65.00 after the 3rd monthly

International ATM withdrawals


Purchases made on local website


Purchases made on international website


What you need to apply:

Getting your Stanbic IBTC Visa Gold Naira Credit Card is easy. 

At least 1 month salaried banking relationship with Stanbic IBTC Bank (or)
6 months banking relationship with any other bank in Nigeria
Completed credit card application form
Valid means of ID
Proof of employment and address verification
Salary domiciliation
Available as a cash-backed credit card

For other issues, please call us on (234) 01 422 2222 or send an email to 

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Customer Care Line

0700 333 3333

+234 700 333 3333


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& benefit from these features:
• Transfer money to anyone
• Manage your financial portfolio
• Invest in mutual funds
• View your pension statements