First Visa Gold Card

To apply for a FirstBank Visa Gold Card,

Visit any FirstBank Branch closest to you to complete an application form.

1) Is the Visa Gold card a Debit or a Credit card?

• The Visa Gold card is a cash-backed Credit Card. The limit assigned to the card corresponds exactly to the amount paid by the cardholder into the Visa Gold card account, issuance fee of $3 and annual maintenance fee of $20 which is taken upfront.

2) Will a lien be placed on my US Domiciliary account with respect to my desired limit on the Visa Gold card?

• No. You would, however, be required to always maintain a minimum operating balance of $40 in your Visa Gold account.

3) What are the fees associated with the Visa Gold card?

• Issuance fee – $3
• Annual maintenance fee – $20
• Purchase fee (POS, Internet) – Free
• Web fee – Free
• ATM withdrawal fee – $3
• Card Replacement Fee – $3

4) What are the daily usage limits for my Visa Gold card?

• ATM cash withdrawals – $1,000 (total frequency – 5 times)
• Purchases (POS) – $10,000 (total frequency – 20 times)
• Purchases (Internet) – $5,000 (total frequency – 5 times)
• POS Cash Advance (Branch) – $5,000
• POS Cash Advance (Merchant) – $5,000

The above limits are subject to a daily cumulative limit of $10,000.

5) How long would it take for my Visa Gold card to be ready for collection, after I submit my application?

For Lagos branches, the Visa Gold card will be ready for collection 2 business days after application. While for upcountry branches, Visa Gold cards will be ready for collection 5 business days after application. Please visit a first bank branch to apply. Compulsory hold amount on card is $40.