UBA Naira Credit Card

The UBA Naira Credit Card offers a credit limit of up to N3 million with 0% interest if paid within 45 days.

Last checked on July 9, 2026. We may earn a commission when you click through.

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✓ Up to N3 million credit limit ✓ 0% interest if repaid within 45 days ✓ No annual fee
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UBA Naira Credit Card

Visa · balance_transfer

Our Verdict

This card is ideal for those who can repay quickly to enjoy interest-free borrowing, but may not be the best choice for long-term debt.

What it really costs

Annual feeN1,000 issuance/renewal + N200/yr quarterly maintenance (VAT exclusive) ₦1k
APR Range 30% – 30%

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Who it's for

Ideal for young professionals or anyone who can confidently manage their credit repayments within the interest-free window.

Watch out

Be cautious of the high APR of 30% after the initial 45 days if you can't pay off your balance.

The good and the not so good

  • Up to N3 million credit limit
  • 0% interest if repaid within 45 days
  • No annual fee
  • 30% APR after the interest-free period
  • Limited rewards program
  • Eligibility may vary

In-Depth Review

For those seeking flexibility, the UBA Naira Credit Card provides a substantial credit limit of up to **N3 million**. The **0% interest** for the first 45 days is appealing for users who can pay off purchases quickly. However, once the grace period ends, the **30% APR** can be quite harsh for those who might carry a balance. It's worth noting that the card lacks a rewards program, which may be disappointing for frequent spenders looking to earn points or cashback. Additionally, while the absence of an annual fee is a plus, prospective cardholders should verify eligibility and terms directly on the bank's site (https://www.ubagroup.com/nigeria/personal-banking/cards/uba-naira-credit-card/). In comparison, other cards might offer better rewards or lower interest rates for long-term balances, making this card less attractive for those who need to finance larger purchases over time. Overall, this card suits individuals with strong repayment habits but can lead to significant costs for those who do not pay on time.

Summary

The UBA Naira Credit Card offers a strong credit limit and zero interest for short-term borrowing, but high charges apply for prolonged balances.

What cardholders say

Users appreciate the high credit limit but express concerns about the high interest rates after the grace period.

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