Stanbic IBTC Visa Silver Naira Credit Card for Naija Shoppers with 55 Days Interest Free, Low Fees, Chip and PIN Security and Easy Application
Maximise 55 days interest-free shopping with the Stanbic IBTC Visa Silver Naira Credit Card, enjoy low fees, chip and PIN protection and a simple application built for Naija shoppers
Overview of the Visa Silver Naira Credit Card for Naija Shoppers
The Visa Silver Naira Credit Card from Stanbic IBTC Bank gives Naija shoppers up to 55 days interest-free purchases, a Naira-denominated card built for everyday local spending. Ideal for POS and web transactions within Nigeria, this card links to your Naira account for easy repayment and comes with a three-year validity.
As a practical credit solution, the Visa Silver Naira Credit Card offers a revolving credit line that keeps your finances flexible while you shop, dine or travel locally. With Stanbic IBTC internet banking, card management and payments are straightforward — perfect for busy Lagos, Abuja and beyond.
Security, perks and lifestyle benefits
Security is central: the card is Chip and PIN enabled and supports Verified by Visa for extra protection on online purchases. That means safer ATM withdrawals and peace of mind when using your card at local merchants or shopping online in Naija.
Beyond security, the Visa Silver Naira Credit Card unlocks lifestyle opportunities — dining discounts, local offers and travel perks that make everyday spending more rewarding. The card also includes 24-hour customer support from Stanbic IBTC Bank to resolve issues fast.
Fees, interest and what to expect
Know the costs: issuance fee is N1,075, monthly interest is 2.5% after the interest-free window, and a 1% (+VAT) management fee applies on issuance, renewal and limit increases. ATM withdrawals at non-Stanbic ATMs attract a small fee after the third withdrawal in a month, so plan cash-outs to avoid extra charges.
Even with fees, the value of up to 55 days interest-free purchases, global ATM access and verified transaction protection often outweighs the costs for disciplined card users. Consider the cash-backed option if you prefer a secured credit card to build credit history safely in Nigeria.
Eligibility, application and managing your card
Applying is simple for many Naija customers: you need a salary banking relationship of at least one month with Stanbic IBTC or six months with another Nigerian bank. Required documents include a valid means of ID, proof of employment, address verification and salary domiciliation on the credit card application form.
Manage your Visa Silver Naira Credit Card easily through Stanbic IBTC internet banking or the mobile app — make repayments, view transactions and track your interest-free days. For quick access, visit a Stanbic IBTC branch or start your application online today and enjoy local benefits designed for Nigerian shoppers.