FirstBank Naira Credit Card Review: Why Nigerians Prefer Its 45-Day Interest-Free Perks
FirstBank Naira Credit Card brings 45-day interest-free float, Naira-denominated convenience, Visa-grade security and easy FirstMobile control
The FirstBank Naira Credit Card is fast becoming the go-to choice for many Nigerians who want Naira convenience, reliable security and up to 45 days of interest-free float. Tailored to local needs, this card pairs Visa’s global acceptance with FirstBank’s deep branch network across Lagos, Abuja and beyond, making everyday spending and travel smoother for salary earners, business owners and investors alike.
Why Nigerians prefer the FirstBank Naira Credit Card
FirstBank Naira Credit Card stands out because it is denominated in Naira, so you avoid constant forex conversion worries when paying for local bills or shopping online. The 45-day interest-free period is a strong draw for people who want short-term credit without immediate cost.
Acceptance through Visa gives peace of mind when travelling, while FirstBank’s customer support and FirstMobile app let you control spending and monitor alerts in real time. Many customers also appreciate the clear fee schedule and predictable monthly charges.
Key features, fees and practical benefits
Core features of the FirstBank Naira Credit Card include credit limits up to N3,000,000, an interest rate of 2.5% on unpaid balances, and free POS and internet purchases. Issuance, maintenance and insurance fees are straightforward: issuance N1,000, annual maintenance N600, and insurance N1,500, with ATM withdrawals charged at 3%.
These fees are competitive for the local market and the card’s benefits — instant SMS and email alerts, Verified by Visa security and flexible repayment options — offer strong value. The Platinum variant gives higher limits and extra perks for those with bigger credit needs.
How interest, limits and repayments work
Interest on the FirstBank Naira Credit Card is only charged on the unpaid outstanding balance after your minimum payment; the monthly interest rate is 2.5%. Use the interest-free window wisely: pay in full within 45 days to avoid charges and maintain strong credit standing.
Repayment options include full settlement or a minimum payment (commonly 15%) of your statement balance. If you hold fixed deposits, treasury bills or CASA accounts, these can be used to support your application and potentially secure higher credit limits.
Security, FirstMobile control and who should apply
Security is a major selling point: transactions are protected by Verified by Visa and advanced encryption, and the FirstMobile app lets you lock/unlock the card, view transactions and pay your bills on the go. FirstContact support is available around the clock for disputes or questions.
The FirstBank Naira Credit Card fits frequent domestic spenders, travellers who prefer Naira billing and professionals seeking short-term liquidity. Small business owners and salaried workers who want predictable fees and easy card management will find this card especially useful.
Ready to apply? Visit your nearest FirstBank branch or use FirstMobile to start an application, and compare the standard and Platinum options to pick the best fit for your finances. The FirstBank Naira Credit Card combines local convenience with international reach — a practical choice for many Nigerians.