Who it's for
Ideal for high-income individuals who travel often and value exclusive banking perks.
FirstBank Visa Infinite Credit Card
Experience premium banking with FirstBank's Visa Infinite Credit Card, offering a credit limit of up to N3 million.
Last checked on July 9, 2026. We may earn a commission when you click through.
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✓ High credit limit up to N3 million
✓ No annual fee
✓ Exclusive travel benefits
FirstBank Visa Infinite Credit Card
Visa · travel
Our Verdict
This card is ideal for affluent customers seeking exclusive travel benefits without an annual fee.
What it really costs
| Annual fee$200 annual membership + $10 annual maintenance + $3 joining fee (USD-denominated card) | $200 |
|---|---|
| APR Range | 36% – 36% |
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Watch out
Be mindful of the high APR if you carry a balance; it could lead to significant interest charges.
The good and the not so good
- High credit limit up to N3 million
- No annual fee
- Exclusive travel benefits
- Access to VIP lounges
- Comprehensive insurance coverage
- High APR of 30%
- Limited rewards on spending
- Approval may be difficult for lower incomes
- Not ideal for everyday use
- Contact bank for annual fee details
In-Depth Review
The FirstBank Visa Infinite Credit Card provides a generous **credit limit of up to N3 million**, making it attractive for affluent users. It features **no annual fee**, which is a plus for those who enjoy luxury without extra costs.
This card excels in travel benefits, including access to **VIP airport lounges** and comprehensive insurance coverage. However, it does come with a **30% APR**, which can be steep for anyone who might carry a balance.
Moreover, the approval process might be stringent, potentially limiting accessibility for lower-income applicants. Users looking for everyday spending rewards may also find this card lacking in that area.
According to [FirstBank's page](https://www.firstbanknigeria.com/personal/cards/credit-cards/), the card is designed for individuals seeking premium services rather than casual users. If you're not a frequent traveller or don't pay off your balance in full, this card might not be the best fit for you.
Summary
The FirstBank Visa Infinite Credit Card is perfect for affluent travellers but carries a high APR that may deter some users.
What cardholders say
Cardholders appreciate the luxury benefits but express concerns over the high interest rates.
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