FirstBank Naira Credit Card Review 2023, Nigeria’s Top Card with 45-Day Interest-Free Period, N3M Limit and Visa Security

Overview and core benefits

The FirstBank Naira Credit Card is one of the most trusted Naira credit cards in Nigeria, offering practical features for everyday life and travel. With Visa acceptance worldwide and Verified by Visa security, this FirstBank Visa Card lets you pay in more than 29 million locations without the usual currency headaches.

Cardholders enjoy an interest-free period of up to 45 days on purchases, a flexible repayment structure and easy tracking via FirstMobile and FirstContact support. For many Nigerians looking for convenience and safety, the FirstBank Naira Credit Card is a solid option that balances local billing in naira with international reach.

Limits, rates and essential fees

This card offers a competitive N3M limit (N3,000,000) for eligible applicants, making it ideal for professionals and business owners who need purchasing power. Interest is charged only on the outstanding balance after the interest-free window, with a clear monthly rate and transparent fee schedule to avoid surprises.

Issuance and annual maintenance fees are modest compared with benefits: think issuance fee around N1,000, small monthly maintenance, and clearly stated cash withdrawal charges. Knowing these costs up front helps you plan usage and make the most of the 45 days interest-free period on the FirstBank Naira Credit Card.

How to apply and manage your card

Applying for the FirstBank Naira Credit Card is straightforward: visit any FirstBank branch or use FirstMobile if you already bank with FirstBank. Salary earners, fixed-deposit holders and CASA customers can apply; investments like FDs or treasury bills can support faster approval or higher limits.

Management is simple with FirstMobile — check transactions, set alerts, make repayments and freeze the card if needed. The FirstBank Visa Card also supports email and SMS notifications so you stay on top of spending and avoid interest by paying on time.

Why Nigerians choose this card

Nigerian consumers pick the FirstBank Naira Credit Card for its blend of local currency convenience and global acceptance, plus the reassurance of Visa-grade security. The card’s up to 45 days interest-free and the potential N3M limit give breathing room for cashflow, especially for entrepreneurs and frequent travellers.

If you want a Naira credit card that’s simple to use, secure and backed by a major bank in Nigeria, the FirstBank Visa Card stands out. Apply through a branch or via FirstMobile, compare the fees and limits, and start using the card to optimise spending, build credit and enjoy seamless payments at home and abroad.