Fidelity Credit Cards
The companion that sticks closer than a friend.
Credit Cards
Our range of Naira and Dollar credit cards give you the flexibility to spend now and pay later. If you decide to get one of our Credit Cards, these are some of the benefits that you’ll come to love:
Features
Delivery within one week
Issuance Fee of N1,000
International Acceptance
Discount Offers at various Merchants around the world
Up to 45 Interest-Free Days
Flexible Repayments of Amount Spent.
Interest rates charged on Amount spent only.
Low Interest rates of 3.5% monthly.
Revolving Credit Facility.
Suitable for “Credit Card-Only” payments abroad, Foreign websites and accessing VAT Refunds.
Suitable to build credit history: Useful when getting Travel VISAs for certain Countries.
Visa Classic
Our Visa Classic credit card, fondly known as The Vanilla Card, is for the simple spender who requires just a little extra every now and then to meet immediate needs. This card is eligible for salary earners who make between N30,000 – N300,000.
Visa Infinite
This Visa Infinite is synonymous with infinite luxury. Designed for customers who prefer the finer things in life, this is the highest class of VISA Credit Card available worldwide. This card is eligible for High Net worth Individuals and salary earners who make between N2m and above.
Cardholders enjoy premium benefits such as:
- Complimentary access to a suite of exclusive airport amenities and services including lounges, restaurant and retail discounts, private Wi-Fi network and airport transportation service in over 140 countries and 450+ international airports.
- Access to Visa Luxury Hotel Collection.
- Access to Digital Service and Online Medical Service when abroad.
- Access to Auto Rental Insurance.
- Purchase Protection and Extended Warranty.
Visa Gold
This is a Credit Card with some premium offers for the Cardholder. The gold card gives more in addition to the convenience of making payments. It acknowledges you have an above-average spending limit and provides you with benefits that suit your lifestyle. It provides Exclusive Benefits for the Customer who demands more Access to Auto Rental Insurance with Purchase Protection and Extended Warranty
Eligibility
- Salary Earner with Monthly income from N300,000 to N600,000
- Business Owners
Platinum
The Fidelity Platinum Credit Card reserved for distinguished high fliers boasts a range of carefully curated features, privileges, and lifestyle benefits put together to create a superior and uniquely tailored banking experience. This card is eligible for High Net worth Individuals and salary earners who make between N600,000 – N1,500,000.
Some of the distinct privileges that a Platinum Credit Cardholder enjoys include:
- Access to a suite of exclusive airport amenities and services including lounges, restaurant and retail discounts, private Wi-Fi network and airport transportation service in over 140 countries and 450+ international airports
- Access to Digital Service and Online Medical Service when abroad.
- Access to Auto Rental Insurance
- Purchase Protection and Extended Warranty
Apply for a Credit Card option available to suit your needs.
Lost / Stolen Cards
If your Debit/Credit Card is lost or stolen, please contact us
immediately via Fidelity Trueserve on: 0700FIDELITY, +234 1 4485252
email us: [email protected] or go to the nearest Fidelity
Bank branch.
Frequently Asked Questions
A Fidelity Credit Card is a revolving credit facility that provides convenient access to funds for purchases, bill payments, and online transactions. The bank assigns an appropriate credit limit based on your income and credit profile.
Visit the nearest Fidelity Bank branch to apply.
- Easy access to credit – A revolving line of credit for purchases and bill payments.
- Naira and Dollar Denominated – Available in Visa Classic, Visa Gold, Visa Platinum, and Visa Infinite.
- Flexible repayment options – Enjoy repayment flexibility with a minimum monthly repayment requirement.
- Up to 45 days interest-free period – Avoid interest charges if you pay in full.
- Worldwide Acceptance – Use your card globally anywhere Visa is accepted.
- Secure transactions – EMV Chip & PIN technology, 3D Secure OTP verification, and contactless payment capability.
- Exclusive discounts & rewards – Enjoy travel perks, hotel discounts, and merchant offers locally and internationally.
- Supplementary Card – Additional cards available for family members or dependents.
Standard Fidelity Credit Cards require a ₦1,000 issuance fee
Once your completed application is received and approved, your credit card will be ready for pickup within 72 hours (3 working days).
- Local ATM withdrawals: Up to ₦20,000
- Local POS transactions: Up to ₦2,000,000
- Online transactions: Up to ₦1,000,000
- Maximum Credit Limit: Up to ₦100,000,000 (based on income and eligibility)
- Interest rate: 3.5% per month
- Minimum monthly repayment: 10% of the outstanding balance
- Late payment fee: ₦2,000
- Card issuance fee: ₦1,000
- ATM withdrawals: 5% fee
- International ATM withdrawals: N2,000 flat
- Local ATM withdrawals: N500 flat
- POS/Web transactions: 3.5% fee
Card Type | Quarterly Fee | Annual Fee |
Visa Classic | ₦50 | Free |
Visa Gold | ₦50 | Free |
Visa Platinum | ₦50 | Free |
Visa Infinite (USD) | Free | $10 |
Once approved, a credit limit is assigned based on your income, existing obligations, and repayment capacity. You can make purchases and only need to pay a minimum amount each month. Interest applies to unpaid balances after the 45-day interest-free period.
Your credit card statement is generated on the 15th of every month and sent to your registered email. If you do not receive it, kindly contact [email protected].
Your credit card payment due date is the 28th of every month.
You must pay at least the minimum repayment (10% of the utilised amount plus any applicable fees and interest).
Yes! Paying your full outstanding balance means no interest charges will apply. If you only pay the minimum, the remaining balance will attract interest.
Interest is charged only on the outstanding balance after the 45-day interest-free period. If you pay in full, no interest is applied.
You can repay your credit card through:
- Internet banking
- Mobile banking app
- Over-the-counter payments at any Fidelity Bank branch
To activate your card:
- Send an email to [email protected] OR Visit any Fidelity Branch closest to you for activation.
- Visit any Fidelity Bank ATM to generate your 4-digit PIN.
- Insert your card, select "PIN CHANGE," enter a new 4-digit PIN, and confirm.
Yes, you can request supplementary cards for family members or dependents, sharing the same credit limit.
For any issues, please contact: [email protected]
