Best Credit Cards in Nigeria — Compare 15 Cards
Every credit card we can verify as issued in Nigeria — 15 cards from 5 banks — with the minimum salary, annual fee, interest rate and salary-transfer rule each bank publishes. Filter them below, or use the guided finder.
Best credit cards in Nigeria — our picks
One card per job, chosen by a stated rule, with the number that wins it. No bank holds two slots while another qualifies.
You do not have to move your salary to this bank.
Chosen by: Bank does not require your salary to be transferred to it, then the lowest minimum salary. Picked from 12 qualifying cards.
View on zenithbank.com Opens Zenith Bank's own page for this card
At 30% a year this is the cheapest published rate we hold for this market — it only matters if you revolve a balance.
Chosen by: Lowest published monthly interest / profit rate in this market. Picked from 12 qualifying cards.
View on gtbank.com Opens GTBank's own page for this cardCompare all 15 Nigeria credit cards
Figures are as each bank publishes them. 0 of 15 cards state a minimum monthly salary, 0 state an annual fee, 12 state an interest or profit rate and 12 state whether a salary transfer is required. A dash means the bank does not publish that figure — not that it is zero.
Default ranking: cards are ordered by how much of the decision they let you make — how many of the four numbers (minimum salary, annual fee, rate, salary transfer) the bank publishes, then how many benefits are documented, then user rating. It is not a paid placement and it is not alphabetical. Use the sort links in the table header to rank by fee, rate or salary instead.
Showing 15 of 15 cards.
Every figure comes from the issuing bank's own published terms, stored per card. Country attribution uses the product's own market, not the bank's branch footprint, so a multinational's Hong Kong catalogue never appears here. Interest and profit rates are annualised figures as published; a few banks quote a monthly rate instead, so confirm the basis with the issuer before you compare two cards on rate alone. 15 of these 15 cards link straight to the bank's own page for that card; the rest link to the bank's site or to our card record. We do not have an application relationship with most of these issuers and do not pretend to. Verify the current terms with the bank before you apply.
Prefer to be asked?
Four questions — salary, spending, and what matters most — and we shortlist five of the 15 cards above for you.
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More about credit cards in Nigeria
The 15 cards compared above are every credit card we can attribute to Nigeria itself, from 5 issuing banks — a card is counted here only when the product's own market and the issuing bank agree, so a multinational's catalogue from another country is never folded in. Figures are in NGN as published by each bank.
Looking for a credit card in Nigeria?
Compare what banks in Nigeria actually offer — rates, fees and eligibility, updated for 2026.
Banks we track in Nigeria
Keep going in Nigeria
Guides for Nigeria
Nigeria — frequently asked questions
How does the card finder pick a card?
It scores every card we hold for Nigeria against your salary, your biggest spending category and whether you want cashback, miles, no fee or a Shariah-compliant card, then shows the top five with the reasons for each.