FirstBank Visa Gold: Nigeria’s top international card with big limits and emergency support

Premium features and generous limits

The FirstBank Visa Gold is built for Nigerians who need a dependable international credit option with high spending power. Cardholders enjoy a daily ATM withdrawal limit of $1,000, POS transaction limits up to $10,000 and online transaction limits of $5,000, giving real freedom when travelling or shopping online.

These generous limits make the FirstBank Visa Gold ideal for professionals and frequent travellers from Lagos to Abuja. The card supports both credit and prepaid variants, so you can pick the model that suits your cash flow and lifestyle without sacrificing global acceptance.

Global acceptance and real-world convenience

Use the FirstBank Visa Gold across millions of merchants worldwide and at ATMs that accept Visa, with transactions charged in naira or directly in foreign currencies depending on the terminal. The card’s international reach means you won’t be stuck at the checkout abroad or when booking flights and hotels online.

FirstBank links the card to FirstMobile and USSD *894# for quick balance checks and instant service, reflecting how Nigerians manage banking on the go. Coupled with contactless payments and secure online shopping protections, the Visa Gold keeps daily life smooth whether you are in Lagos or outside the country.

Emergency support and card control

One standout advantage of the FirstBank Visa Gold is 24/7 emergency assistance, including emergency card replacement and cash advance if your card is lost or stolen while travelling. Support is available globally so you can sort out urgent issues without having to wait days — a real boon for business travellers and tourists.

Control features are easy to use: lock or unlock transactions, enable or disable ATM, POS and web usage directly from FirstMobile or via USSD. These security controls reduce fraud risk and let you manage spending in real time, which many Nigerians appreciate given frequent travel and online shopping needs.

How to apply, fees and collection times

Applying for the FirstBank Visa Gold is straightforward: visit any FirstBank branch, complete the application and provide the required documents. Cards are generally ready for collection within two working days in Lagos and up to five working days for branches elsewhere in Nigeria, so you won’t be waiting long to start using your new card.

Understand the costs before you apply: typical fees include a card issuance fee of $3, an annual maintenance fee of $20 (payable on issuance), ATM withdrawal charges of $3 per transaction, and a replacement fee of $3. The card usually requires a minimum operational balance of $40, so plan accordingly.