GTBank Standard Credit Mastercard, Nigeria’s Go-To Card for Travel Rewards, Secure Online Shopping and Easy Application

Choosing a reliable credit card in Nigeria means balancing rewards, security and convenience — and the GTBank Standard Credit Mastercard delivers on all three. Built for everyday spending, travel and online shopping, this card gives Nigerian customers strong travel rewards on every Naira, global acceptance and easy application with minimal paperwork.

Rewards and travel perks

The GTBank Standard Credit Mastercard lets you earn points on every Naira spent, making it one of the best cards for travellers and regular shoppers in Nigeria. Points accumulate fast on hotels, flights and dining, and you can redeem them for travel vouchers, flights or partner offers that stretch your naira further.

Frequent travellers get added value with travel insurance, emergency assistance and competitive currency conversion rates when you use the card abroad. With Mastercard’s global acceptance, your GTBank card works seamlessly in airports, hotels and worldwide merchants.

Security and seamless online shopping

Security is a priority for Nigerians who shop online, and the GTBank Standard Credit Mastercard brings bank‑grade protection including chip-and-PIN, multi-factor authentication and real-time fraud alerts. These measures help protect your account whether you pay on local e-commerce sites or international platforms.

Manage security settings easily in the GTBank internet banking portal or mobile app, where you can set transaction alerts, lock/unlock the card and review e-statements. The combination of Mastercard’s fraud protection and GTBank monitoring reduces the risk of unauthorised transactions.

How to apply and what you need

Applying for the GTBank Standard Credit Mastercard is fast — you can apply via the GTBank website, mobile app or walk into a branch with minimal documents. Typical requirements in Nigeria include a valid ID, proof of address, BVN and proof of income; salary earners may submit payslips while the self-employed provide bank statements.

Approval times are competitive and GTBank often processes applications quickly for customers with complete documentation. The simplified onboarding and clear fee structure mean you can start earning rewards and using your card within days.

Costs, limits and customer support

GTBank publishes clear information on annual fees, interest rates and foreign transaction fees so cardholders know what to expect. The rewards you earn typically offset the modest annual fee for regular users, and there are options for flexible repayment that suit different budgets in Nigeria.

Credit limits are set according to your financial profile but can be reviewed as your needs grow; GTBank’s customer service in Nigeria is available through phone, email and branches to help with disputes, emergency replacement and limit increase requests.