Access Bank Cards
Enjoy dual-currency payment, instant discounts at select merchants, and high credit limits. Manage international and local spends, all in a secure card experience.
Access Bank’s card programme stands out in Nigeria with appealing features. Customers can enjoy attractive discounts at hotels and restaurants by paying with Access Bank cards at their POS terminals at select locations. The cards offer a dual-currency feature, meaning domestic spends are settled in Naira, while international transactions are automatically billed in US Dollars. Major card variants include the Visa, MasterCard, and Verve, with unique offerings like the American Express Gold and Platinum cards for premium users. Most cards have daily POS/online limits running up to N2,000,000 or more, while the USD variants allow up to $10,000 to $50,000 daily for international spends. With up to 40 days of interest-free repayment, the Naira and USD credit cards provide flexible borrowing options without the need to source FX for Naira repayments or collateral for salaried staff.
How to Apply for Access Bank Cards
- Check eligibility and choose between debit, credit, or prepaid cards.
- Complete the application form either at a branch or through online channels.
- For DTS (Dual Transaction Service), dial *901*14# or use the AccessMore app, agree to terms, and set your PIN.
- Receive your card, activate via the helpline, and set your Verified by Visa PIN for transactions.
Pros of Access Bank Cards
The dual-currency billing helps you manage international payments with ease, and you don’t need to worry about sourcing FX for Naira repayments.
Attractive discounts at merchant locations, good security with Verified by Visa, and up to 40 days interest-free periods make these cards practical and cost-saving.
Cons of Access Bank Cards
Some card variants have limited daily ATM cash withdrawal ceilings, typically capped at N40,000, which might be restrictive for heavy cash users.
International online transactions on naira-denominated cards are largely unavailable, so cross-border online shoppers may need USD or higher-tier cards.
Our Verdict
Access Bank cards combine value with flexibility through strong discounts, secured spending, and broad acceptance. For Nigerian shoppers looking to save more or travel with ease, these cards present a worthy option. With competitive credit limits and multiple variants to choose from, Access Bank’s card portfolio can cater to most modern banking needs, though power users may prefer dedicated USD cards for broader international access.