First Visa Gold Card

FirstBank Visa Gold card is an international premium credit card issued in partnership with Visa International. It is a US Dollars denominated card and secured by chip and PIN technology.


  • Daily spend limit on ATM ($1,000) , POS ($10,000) and WEB ($5,000) anywhere in the World with your Visa Gold card.
  • Access to international emergency services with your Visa Gold card i.e. Emergency Card Replacement & Emergency Cash Advance in situations where your card gets lost or damaged.
  • International Credit Card Capabilities.
  • Card Protection to activate or deactivate cards for all types of transaction, using the Card-in-Control Service on Firstmobile or the USSD *894# – Quick banking-Card management.

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 has both the credit variant and self-funded variant. The Credit variant is cash-backed and the limit assigned is determined by the collateral cover. The customer spends ONLY the amount he pays into his card with the self-funded Visagold card.

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 taken upfront at issuance
  • 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.

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