Access Bank Visa Credit Card

Access Bank offers naira and USD Visa credit cards with low fees and flexible credit options, suitable for various spending needs.

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

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✓ Low annual fee of N1,000 ✓ Daily withdrawal limits of N40,000 (NGN) and $1,000 (USD) ✓ Self-funded credit options available
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Access Bank Visa Credit Card

Visa

Our Verdict

With a competitive annual fee of N1,000 and daily limits, this card is advantageous for frequent spenders. However, the high APR of 42% may deter those who carry a balance.

What it really costs

Annual feeN1,000 issuance + N75 VAT (Classic NGN). USD Platinum: $10/yr + $3 issuance ₦1k
APR Range 42% – 42%

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Who it's for

Best for users who need a credit card for everyday transactions in Nigeria or internationally.

Watch out

The high APR makes this card less suitable for those who may carry a balance.

The good and the not so good

  • Low annual fee of N1,000
  • Daily withdrawal limits of N40,000 (NGN) and $1,000 (USD)
  • Self-funded credit options available
  • High APR of 42% for both card types
  • Limited rewards structure
  • Additional USD card fees apply

In-Depth Review

Access Bank's Visa Credit Card with an annual fee of just N1,000, n for budget-conscious consumers. Daily limits are generous, allowing N40,000 at ATMs and $1,000 for POS transactions, which suits various spending habits. However, the **42% APR** is a significant downside, particularly for anyone planning to carry a balance. This rate is quite high compared to competitors like GTBank, which offers lower APRs on similar cards. Users should be aware that accruing interest can quickly negate any benefits. The credit card's features include self-funded credit options, which can be beneficial for users looking to manage their spending. Yet, the limited rewards structure may leave some users wanting more, especially those who expect cashback or points for their purchases. When considering this card, it's essential to weigh the low fees against the potential costs associated with high-interest charges. According to Access Bank's site, additional fees may apply for the USD card, which adds to the overall expense. Users seeking a credit card experience with minimal fees will find value here, but those needing extensive rewards or lower interest rates might want to explore other options.

Summary

The Access Bank Visa Credit Card offers a cost-effective solution for daily spending but may not suit those who carry balances due to its steep APR.

What cardholders say

Cardholders appreciate the low fees but express concerns over the high interest rates.

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