Visa Platinum Credit Card Nigeria, High Limits, 5% Dining Cashback and 45-Day Interest-Free Credit

The Visa Platinum Credit Card in Nigeria brings serious buying power and premium perks for anyone who wants a smarter way to pay. With limits up to ₦7.2 million, 5% cashback on dining and up to 45 days interest-free credit, this card is built for frequent spenders, travellers and professionals in Lagos, Abuja and beyond who need flexibility and protection.

High credit limits and spending freedom

Visa Platinum Credit Card holders in Nigeria can access starting limits from around ₦750,000 and climb to as much as ₦7.2 million depending on income and credit profile. That high limit makes big-ticket purchases, business expenses and travel bookings much easier without juggling multiple payments.

Credit limit increases are possible after six months of responsible use, and supplementary cards (up to five) let family members share the same line. For Nigerians who run small businesses or travel often, the extra buying power is a clear advantage.

Rewards, dining cashback and travel perks

The card offers 5% cashback on dining locally and abroad, plus a steady earn rate on other categories so you rack up rewards quickly. Points can be redeemed for travel, merchandise or statement credits, and many users in Nigeria will find the dining reward especially useful for frequent weekend outings and business meals.

Travel benefits include complimentary travel insurance, airport lounge access and global assistance. With international acceptance across millions of merchants, the Visa Platinum Credit Card is handy whether you’re booking flights from Lagos or dining in Johannesburg.

Payments, interest-free period and fees

Enjoy up to 45 days interest-free on purchases when you pay by the due date, and mobile banking makes settling your bill fast via internet banking, USSD or bank app. Minimum monthly repayment rules typically require at least 1% of the statement balance or a floor like ₦5,000, whichever applies.

Be aware that cash withdrawals attract fees and interest from day one, and POS/online interest may apply if you miss payment deadlines. Understanding these terms helps Nigerian cardholders avoid surprises and keep the account in good standing.

Security, purchase protection and how to apply

Visa Platinum Credit Card customers get fraud alerts, purchase protection for new items and an extended warranty on qualifying purchases, offering peace of mind for high-value buys. Real-time SMS or app notifications help you spot suspicious transactions fast.

Eligibility usually requires Nigerian residency, age 21+, and a minimum salary benchmark (often around ₦120,000), with simple online or branch applications. Compare fees and benefits across banks to pick the Visa Platinum Credit Card that fits your lifestyle and spending habits.