Visa Platinum Credit Card Nigeria, Elite Perks, High ₦ Limits and 5% Dining Cashback
Visa Platinum brings elite perks across Nigeria, generous credit lines up to ₦7.2M, 45 days interest-free credit and 5% dining cashback for savvy spenders
Top-tier perks that match Nigerian lifestyles
The Visa Platinum card brings premium features designed for Nigerians who want more from a credit card. Expect 45 days interest-free credit on retail spends, wide acceptance across Lagos markets and international online stores, and a generous 5% dining cashback that rewards frequent restaurant visits.
This Platinum credit product also supports up to five supplementary cards so family members can share benefits while spending stays under one consolidated account. Global acceptance and flexible payment channels — bank branches, mobile apps and ATMs — make the card practical for everyday life and travel alike.
High limits, clear eligibility and flexible repayments
Credit limits start comfortably above standard offerings, typically from ₦750,000 with approved limits up to ₦7.2 million for qualified customers. Applicants usually need to be Nigerian residents, at least 21 years old, and meet minimum income criteria — often around ₦120,000 monthly — depending on the issuing bank.
Repayment terms are customer-friendly: a minimum monthly repayment (whichever is higher between 1% of the statement balance or ₦5,000) and clear fees for cash withdrawals. Cardholders enjoy flexible repayment options through internet banking, mobile app transfers or standing orders from their Naira accounts.
Rewards, 5% dining cashback and loyalty value
The standout reward is the 5% dining cashback, great for food lovers across Abuja, Port Harcourt and beyond. Dining spend earns immediate cashback that reduces your monthly bill, while other categories accumulate points redeemable for flights, vouchers or statement credits — maximising everyday spending power.
Rewards don’t expire quickly, so regular earners can plan redemptions strategically. Combine points from supplementary cards under the main account to speed up rewards accumulation, and ensure online foreign transactions are activated for international redemptions and travel bookings.
Security, travel perks and quick application
Robust fraud protection and real-time alerts keep your account safe from suspicious activity, while purchase protection covers new items for a set period against loss or damage. Many issuers add extended warranties and concierge services, giving extra peace of mind for high-value purchases and travel arrangements.
Travel-friendly features include complimentary travel insurance and select airport lounge access on qualifying trips. Applying is straightforward: submit documents via the bank’s website or visit a branch, use the mobile app to track approvals, and request a limit review after six months of good usage to access higher limits up to ₦7.2M.