HB Naira Credit Card from Heritage Bank helps Nigerians shop abroad in naira and pay online securely
HB Naira Credit Card from Heritage Bank lets Nigerians shop abroad and pay online securely in naira, avoiding forex headaches while enjoying Mastercard acceptance and travel benefits
Why HB Naira Credit Card is ideal for Nigerians
The HB Naira Credit Card from Heritage Bank gives Nigerians a simple, practical way to spend abroad and pay online in naira. For shoppers in Lagos, Abuja or Port Harcourt, using a card billed in Naira removes the common headache of constant forex calculations and conversion surprises.
This card is especially useful for frequent travellers and online buyers who want Mastercard acceptance without carrying foreign currency. With the HB Naira Credit Card you keep control of your finances in Naira while enjoying global access.
Key features that matter
Heritage Bank designed the HB Naira Credit Card with features Nigerians actually use: Mastercard global acceptance, chip-and-pin security, ATM and POS access, plus contactless payments for quick transactions. The card handles online payments in Naira so you avoid unexpected forex charges on your statements.
Additional perks include travel and medical insurance benefits, lounge access at selected airports and a rolling credit option that gives flexible repayment choices. Reward points accumulate on everyday spending and can be redeemed through the Heritage Bank app or partner merchants.
How to apply and use your card abroad
Applying for the HB Naira Credit Card is straightforward: prepare your ID, proof of address and income documents, then visit a Heritage Bank branch or start the process online. Local staff speak your language and guide you through the requirements so you get the card quickly and start using it.
When travelling or shopping online, simply use the card where Mastercard is accepted. Transactions are posted in Naira which simplifies budgeting at home. For cash needs, withdraw from ATMs, keeping in mind the bank limits and fees published by Heritage Bank.
Security, fees and rewards explained
Security is a priority with the HB Naira Credit Card: chip-and-pin, transaction alerts and fraud monitoring give peace of mind for online purchases and international spending. Heritage Bank also offers customer support to resolve unauthorised transactions, with limited liability for cardholders in many cases.
Fee structure is transparent: an annual fee applies, and interest rates follow Heritage Bank terms, so check the latest tariffs. Reward points and lifestyle benefits help offset costs, while regular promotions from Heritage Bank and Mastercard partners add even more value to spending in Naira.