The FirstBank Visa Gold Card is an international premium credit card issued in partnership with Visa International.

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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 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

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

  • 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.

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 FirstBank branch to apply. Compulsory hold amount on card is $40.

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