Visa Gold
Standard MasterCard
Visa Infinite
Naira Credit Card
Is secured by Chip & PIN technology
Yes
Yes
Yes
Yes
Can be used for payments on local websites and POS
Yes
Yes
Yes (1)
Yes
Can be used for payments on international websites and POS
Yes
Yes
Yes (2)
No
Requires PIN for all ATM and POS transactions
Yes
Yes
Yes
Yes
Requires a CVV2 Code for all internet transactions
Yes
Yes
Yes
Yes
Requires One-Time-Password for local website purchases
Yes
Yes
Yes
Yes
FEES
Getting a new card
$25
$10
$200
₦1000
Replacing a lost or stolen card
$25
$10
$100
₦1000
PIN re-issue
$2
$2
$2
₦200
Annual maintenance
$19
$19
$500
₦3000
FBN ATMs in Nigeria
$3
$3
$3
4%
Other ATMs in Nigeria
$3
$3
$3
4%
ATMs abroad
$3
$3
$3
₦420
POS in Nigeria
Free
Free
Free
1%
POS or websites abroad
Free
Free
Free
1%
DAILY TRANSACTION LIMITS
ATMs in Nigeria
₦100k
₦100k
₦100k
₦100k
ATMs Abroad
$1000
$1000
$1000
$300
POS In Nigeria
$10,000
$10,000
Limitless
₦500k
POS abroad
$10,000
$10,000
Limitless
₦500k
Web in Nigeria
$5,000
$5,000
$25,000
₦200k
Web Abroad
$5,000
$5,000
$25,000
₦200k
