GTBank Naira Mastercard

The GTBank Naira Mastercard is a premium credit card in Nigeria offering cashback rewards and fuel discounts with no annual fees.

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

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✓ Zero annual fees ✓ Earn 1% cashback on purchases ✓ Fuel discounts available
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GTBank Naira Mastercard

Mastercard · cashback

Our Verdict

The GTBank Naira Mastercard is a solid choice for cashback seekers, especially with its fuel rewards and zero annual fees.

What it really costs

Annual fee$10 annual maintenance fee + N1,000 issuance fee (USD-denominated card) $10

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Who it's for

This card suits individuals who want to earn cashback on local purchases without incurring annual fees.

Watch out

Watch out for the high APR, which could lead to significant interest if you carry a balance.

The good and the not so good

  • Zero annual fees
  • Earn 1% cashback on purchases
  • Fuel discounts available
  • Standard Mastercard benefits
  • No hidden charges
  • High APR of 35.4%
  • Limited rewards categories
  • Not suitable for frequent international use
  • Approval process may take time
  • Customer service may vary

In-Depth Review

The GTBank Naira Mastercard offers a compelling cashback program with a maximum rewards rate of **1%** on purchases, making it attractive for users who pay off their balance in full each month. With zero annual fees, it's an accessible option for budget-conscious consumers. That said, the **35.4% APR** can be steep for anyone who might carry a balance, making it less ideal for those looking to finance their purchases. Compared to other cards like the Access Bank Cashback Card, which also offers cashback but with different APR and rewards structures, the Naira Mastercard may not always be the best fit for everyone. Additionally, while the card includes standard Mastercard benefits, some users report mixed experiences with customer service and approval times. According to GTBank's official site, the card is designed for local use and may not excel in international transactions. If you primarily shop within Nigeria and can manage your payments, this card could be a valuable addition to your wallet.

Summary

Overall, the GTBank Naira Mastercard is a practical option for cashback rewards, but caution is advised due to the high APR.

What cardholders say

Users appreciate the cashback rewards, but some have faced challenges with customer service.

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