FCMB Credit Card Campaign

Visa Credit Card is an electronic payment tool with a revolving credit line which allows you to meet your financial needs on the ATM, POS and Web Channels. With flexible repayment plan, you can choose to fully pay back the amount used on your card plus transaction fees on or before the payment due date and enjoy an interest free period of up to 40 days. Interest is also charged only on utilized amount and not on total credit limit should you choose the repayment option of 10%, 25%, 50% or 75%.

Who needs the FCMB Visa Credit Card?

Unsecured Credit Card

Available to employees of selected federal, states,local government and profit /Non-profit organisations whose salaries are domiciled in FCMB such as:

Civil Servants – Police, Army, Navy, Air force, Customs, Civil Defence, Immigration, FRSC, Prisons, Universities, Polytechnics, Ministries, Government Agencies etc.

Employees of Companies - Multinationals, Manufacturing, Construction, Oil & Gas, Engineering, Education, Hospitals etc

Cash Secured Credit Card

Available to both salaried and non-salaried individuals who are willing to secure their credit limit with cash in savings, current and fixed deposit account such as:

Businessmen, Self Employed Customers, Deposit Customers, Traders etc.

Benefits of the FCMB Visa Credit Card

No initial Card Issuance Fee
No Annual Fees
Card valid for 4 years
Maximum Credit Limit for Unsecured and Secured Credit Cards are N3.5m and N20m respectively
5% Credit Limit increase annually subject to terms and conditions
Convenience
Improved cash flow
Multipurpose credit card that can be used on ATM, POS and Online
Enhanced security and safety of funds (Verified by Visa – Use of I-PIN for online transactions)

Credit Card Bouquet

Pricing

Features	Classic	Gold
Card Issuance Fee	Free	Free
Supplementary card Issuance Fee	N500	N500
Quarterly maintenance fee (primary card)	N50	N50
Quarterly maintenance fee (Supplementary card)	N50	N50
Card Reissuance Fee	N500	N750
PIN Reissuance Fee	N150	N150
Card Replacement Fee	N500	N750
Cash Withdrawal Fee (FCMB)	N100	N100
Cash Withdrawal Fee (Int’l)	N240	N240
Cash Withdrawal Fee (Other Banks)	N250	N250
Interest Rate	3.0%	3.0%
Late Payment Fee	N 2,000	N 2,000
Over Limit Fee (per event)	3% of Excess Amount	3% of Excess Amount
Statement Fee	Free	Free
Verified by Visa (Optional Security feature)	Free	Free

Frequently Asked Questions

Click here for full details and Frequently Asked Questions:

NO MORE “BORROW ME SOMETHING TILL SALARY ENTER”

6. Employment status