The Visa Platinum Naira credit card
The Visa Platinum Naira credit card is issued with Stanbic IBTC Bank. This card grants you access to 5-star offerings, 2.5% interest rate per month, 55 days Interest free, and N1075 for card application fee. Read on to find out everything you need to know about the Visa Platinum Naira credit card!
What you get using Visa Platinum Naira Credit Card
Chip and PIN enabled
This credit card is both chip and PIN-enabled, which means all your online transactions are protected using two-factor authentication and advanced encryption technology. Whenever a transaction occurs on your account.
The bank will notify you through an SMS alert, telling you that a particular transaction has occurred on your account. The chip ensures that your financial and personal information does not get into the wrong hands to perpetrate fraud.
3 Years Validity
The Visa Platinum Naira credit card comes with a three-year validity period. This means if you apply for the credit card in December 2022, you will use the credit card for the next 3 years without renewing it until December 2025. After 3 years, the card will stop working and you may need to visit any branch of the bank that is closest to me to apply for a new card.
Accessible via ATM, POS and web.
One of the biggest benefits of using the Visa Platinum credit card is that you will enjoy payment access on ATMs, web transfers, and POS transactions. Whether you are based in Nigeria or not, you can use the credit card to get cash at any nearby ATM point close to you.
Free medical and legal referral during international travels
All cardholders are guaranteed free medical and legal referral whenever they travel abroad. So, if you leave the shores of Nigeria and you move to a place like the United States or the United Kingdom, the bank offers you free medical and legal assistance. The bank also offers exclusive benefits at over 900 hotels across the world.
24 hour contact center support
Stanbic IBTC Bank is one bank that boasts of robust customer support. The bank parades customer support representatives that know what to do at a particular time. They work 24/7 resolving customers’ complaints.
For the Visa Platinum Naira credit card comes with some transaction limits. The limit means that you cannot send or withdraw more than the stated amount or limit quoted on your card. For daily local ATM withdrawals, the limit has been set by the bank at N200, 000.
For daily local POS transactions, you cannot send or withdraw more than N1, 500, 000. And lastly, for daily local online transactions, the limit has been pegged at N2,000,000. If you want to upgrade this limit to enable you to carry out higher transactions, you can reach out to the bank for a possible upgrade of your transaction limit on your Visa Platinum Naira credit card.
Highly Intuitive Mobile App
Stanbic IBTC Bank boasts of a highly intuitive mobile app that you can download today to get access to your finances, all in one app. With the mobile app, you can send, receive, or transfer money from one bank account to the other without paying so much in fees. You can even use the mobile app to transfer funds from your local bank account to a dollar-based account abroad.
How To Apply For The Card
To apply for the Stanbic IBTC Bank Visa Platinum Naira credit card, the first step you need to take is to open an account with Stanbic IBTC and operate the account for at least one month. You can also use any other bank account that is domiciled in Nigeria.
But you must have been a customer of the bank for at least 6 months. Once you have fulfilled this condition, the next step is to walk into any branch of Stanbic IBTC Bank to pick up the credit card application form.
The bank’s representative will only issue out the credit application form upon the presentation of a valid means of identity (like your passport, driver’s license, or national ID card). You will also need to submit proof of employment and address verification.
Then lastly, you will prove to the bank that you have started using the bank account to receive salary either weekly, bi-weekly, or monthly. Once you have provided all of these documents, you can then complete the credit card application form and return the same to the bank’s representative for onward processing.
The bank will get in touch with you within 3 working days to inform you of the status of your credit card application. Ensure you provide a working email address and phone number to get the bank’s message.
How Can I get In Contact With The Bank?
If you have an issue that you need to resolve with Stanbic IBTC Bank you can easily get across to the bank’s customer support representative using this local mobile number – 01 422 2222. If you are based abroad.
Then you may have to dial +234 0 142 2222 on your mobile phone to be able to reach out to the bank’s customer support representative. In case of fraud the bank has made it possible for every card holder to report fraudulent activities on their card.
What if I forget the PIN of my Naira Card?
If in the process of using your Visa Platinum Naira card, you suddenly forget your PIN to send payment to either a supplier or your loved one, you should immediately call Stanbic Ibtc customer support desk through +234 0 142 2222 and explain to the bank’s representative. The representative will help you sort out the PIN.
Can I link my Naira card with The Mobile app?
Stanbic IBTC Bank has a user-friendly mobile app that you activate using the Visa Platinum Naira credit card. So definitely you will need to leave your card with the mobile app to be able to carry out translation online. Whether you want to send money to your loved ones or aged parents in the village, you can login to your mobile app dashboard and then send the money seamlessly.