Visa Gold Credit Card Features

money easy pay stretch your dollar

Your Gold credit card comes in NGN. Repayments are made in your local currency using cash or cheque at branches.

card zero interest

Up to a maximum of 45 days.

time regular cash payout

Option to pay as little as 1% of the total spend or ₦5,000*(outstanding amount) plus any (interest, fees, charges and over-limit amount) whichever is higher each month.

device online banking

Settle your credit card bill through the Internet banking or mobile banking platform, using a standing instruction or by visiting any of our branches.

card mastercard

Choose to debit your bank account for the 1% minimum amount due or the total amount due on your credit card.

people call assistance

Will alert you of any unusual card activity giving you added security.

Application Eligibility

  • Age: From 21- 65 years
  • Min. credit Limit ₦30,000; Max credit limit ₦749,999
  • Minimum salary ₦120,000 for employees.

No. A Credit Card is different from a Debit / ATM card.

A Credit Card is pre-funded with an approved credit limit and it allows you to make payments and withdraw cash from ATM whereas, a Debit/ATM card allow you to make payments and withdraw cash from ATM by debiting funds directly from your bank account.

A Credit Card uses a PIN created by the card holder and encoded on the secure card chip. This allows the user to authorise transaction at the POS, ATM and online/eCommerce purchases.

The expiration of Credit Card is inscribed on the card in Month/Year.

Credit Card works by allowing you to borrow money from the card issuer (bank) to meet your financial needs. It comes pre-loaded with an approved credit limit by the bank for making purchases (POS, ATM withdrawal, ecommerce etc). The spend from your credit card is required to be paid back later at the frequency agreed with the card issuer at the point of issuance. Most credit card usage earn you reward points and helps in building your credit profile.

Your Credit Card limit is the maximum amount which is made available on your credit card for your use. This limit is pre-approved based on your income and satisfactory credit bureau report.

Your credit card will be in over limit when your balance is more than approved credit limit for any reason. i.e. interest/charges, foreign currency conversion rate etc.

Yes, 1% flat on overlimit amount.

Below categories of clients are eligible for credit cards:

  • Salary earners from Empanelled/Unempanelled Companies
  • Client with Fixed deposit/cash covered
  • Client with Asset Under Management (AUM)
  • Self-employed clients/Professionals with cashflow.

Your card is automatically enabled for use at an ATM and a POS. Online (eCommerce) transactions will only be enabled upon a client’s request. for transactions on Local sites. Your card will not be enabled for online transactions on foreign sites.

Yes, your Credit Card is open for international spend.

A maximum of $1,000k for Platinum and $500 for Gold card every 30 days (not calendar month), on POS, or Online which is subject to review. You will be informed whenever a change is made.

There is no charge for cash withdrawals from the ATM. However, there is a 4% interest fee on amounts from the date of withdrawal until the amount is fully settled. For more details on our Terms And Conditions please go to

Note that a cash withdrawal via the ATM does not qualify for interest free credit period neither does it qualify for points on the 360 rewards points. Purchases via POS and online platforms are interest free if you fully pay the amount outstanding (without any cash withdrawal transaction), if amount is paid on or before the payment due date. Therefore, it may be costly to use your credit card to get cash out on a regular basis.

Monthly interest is charged at 3% for POS or online (eCommerce) transactions.

However, you will enjoy interest waiver on transactions paid before the due date.

Just complete our limit/billing cycle change form and send same to your branch or with preferred dates. We will then let you know if we can change the dates or not. More information on salary payment date may be required from you to change billing cycle

You’ll get your statement twenty days before your payment is due. When you get your statement, please make sure you pay in time for your payment to reach us on or before the due date.

You can pay your bill in a range of ways including:

Online Banking

You can pay your bill by transferring funds from your current/savings account on online banking/ SC Mobile platforms to your credit card account

When making a payment from SCB online;

  • Select ‘Credit Card Payment’ under ‘Payments’ in the main
  • Select account from which payment will be made
  • Select active card
  • Select payment type –One time or recurring
  • Select payment amount – statement balance due/Minimum due /Others
  • Select date
  • Click next

If you choose to make an additional payment against a fixed payment, the fixed amount will still be taken in full. But if you make an additional payment against a minimum payment, then your payment will go down by that amount.

The minimum payment is really a safety net to ensure you don’t incur late payment charges. Ideally, you should still make additional payments by other means rather than sticking to the minimum each month.

If you make an additional payment, then the payment will be reduced by the amount of the additional payment.

Please note that any additional payment made within 3 working days prior to your payment due date.

On your account you have a total cash withdrawal limit of 50% of your approved credit limit and a weekly cash withdrawal limit of N25,000.

Your available cash withdrawal limit is displayed on your statement

Credit Card As Source of Fund allow you to transfer fund from your credit card to your savings/Current account via Ibanking/SC Mobile.

The date your payment is due is printed on your monthly statement. The standing Instruction set up on your account will run on the due date. In case you want to make additional payment, please allow 3 working days for us to receive and process your payment.

If you notice any inconsistency in your bill, kindly send email to or call our 24-hour Client Care line +23412704611-4. Toll free number 0800 001 2345, for it to be investigated and resolved.

If you’ve made a transaction and it appears on your statement twice or more, you can log a complaint via SC Mobile/Online Banking Secured mailbox, call our 24-hour Client Care line on +234 1 2704611-4. Toll free number 0800 001 2345, for it to be investigated and resolved or visit any nearby branch to complete a dispute/charge back form.

You will receive your statement on your billing date once a month (as long as you have a balance). You will receive your eStatement in your email address with the bank from

Each month you get a statement telling you of your full outstanding balance (everything you have spent plus any interest and charges) and the amount of your minimum payment. You can pay any amount between this minimum payment and your full outstanding balance

Your card will be stopped from further transactions for any of these situations and charged 1% flat of the due amount

If your card is over limit as a result of decline in your financial status, you are required to immediately pay the difference; otherwise your next repayment would be 10% of total amount outstanding, instead of 1% minimum amount due

You can get up to 50 days interest free on purchases, if you pay off your balance (made on POS or Online) in full each month and spend happen on first day of the cycle

Note that we charge interest on cash transactions at a daily rate, it means that you can’t avoid interest charges on withdrawing cash. We’ll still charge cash interest on a cash transaction from a previous month if your payments have not been enough to cover the amount of cash that you withdrew plus the interest and fee apportioned to it. You’ll also need to take into account any other transactions you have made i.e. purchases. There may also be interest due for the time between your last statement being produced and the date you received your payment.

SCB has four Billing cycles.

Start End Payment
5th 5th 25th
10th 10th 30th
15th 15th 5th
31st 31st 20th

Minimum amount due is the amount which you pay to avoid late payment fee. Remember, you will still be charged interest on the remaining unpaid amount. Just that late fee won’t be applied. Total amount due is the total money you owe.

The statement date on your statement cycle is usually the same day as the last day of the billing period. This is the date your bill is actually issued, and your bill will be due twenty days after that. The statement date and the payment due date are not the same.

Payment Due Dates: Payment is due on either 25th/30th/5th/20th of each month depending on the billing cycle set up for client.

A billing cycle is recurring and is most often set to repeat on a monthly basis. For example, you may get your credit card bill on the fifth day of the month for payment or purchases done from the fifth of the previous month

Chargeback is a way of getting your money back if things go wrong on your Credit Card purchases.

Yes. Your credit limit can be downgraded if a serious deterioration in your credit behaviour is noticed.

You can increase your credit card limit by completing our Limit/Billing Cycle change form and submitting at the branch. Please note that you can only qualify if:

  • Your Credit Card is active
  • up to six months of issuance
  • with at least one transaction in the last three months
  • current utilization≤ 90%
  • repayment ratio over three months period should be ≥ 20%
  • satisfactory bureau report

A grace period is the period of time a credit card gives you to pay amount due, without having to pay interest on the new balance. The grace period runs from the end of a billing cycle to the next payment due date i.e.

SCB Grace Period for repayment

Credit Card cycle (period of 30days) e.g. if cycle runs from; Grace period Last day of Grace period will be: Credit Card cycle(period of 30days)e.g. if cycle runs from; Grace period
5th of May to 5th of June 20days 25th of June 5th of May to 5th of June 20days
10th of May to 10th of June 20days 30th of June 10th of May to 10th of June 20days
15th of May to 15th of June 20days 5th of July 15th of May to 15th of June 20days
31th of May to 31th of June 20days 20th of July 31th of May to 31th of June 20days

You are allowed to switch on/off eCommerce functionality on your card by calling contact centre on +234 1 270 4611-4, 0800 001 2345 and request to switch on/off this service

However, you will be unable to use card for online transactions when this functionality is switched off.

Supplementary Cards is a privilege offered to the spouse, parents, or children of the primary credit card holder.

A primary card holder can give cards to their spouse, parents, children, or other loved ones.

A primary card holder can request for a maximum of 5 credit cards per principal card

The limit of the supplementary card is determined by the primary card holder but this limit will be a part of the maximum limit the primary card holder can get.

The primary card holder will need to complete the supplementary card form for each supplementary card holder. Form can be downloaded from our website on The primary card holder can also speak with their Relationship Manager.

Yes. The primary applicant has the option of combining the rewards points from qualifying spends on all linked supplementary cards or having separate accounts for each supplementary card holder.

Yes. All supplementary card holders will be eligible for exclusive offers and discounts available at partnering Visa Merchant locations locally.

Call Us

Call our hotline for further information.

(Toll free number)

01 2704611 – 4
(When dialing in Nigeria)

+234 1 2704611 – 4
(When dialing from overseas)

Email Us

Alternatively, please drop us an email and we will contact you soon.

Email Us

Locate Us

Visit the branch that is nearest to you.

Find a Branch

How easy/difficult was it to find what you need on this page?

  • Very hard
  • Very easy

What is the primary reason for your score?

  • Loading Time
  • Structure of Content
  • Broken Links/Images
  • Interface User-Friendliness
  • Loading Time
  • Structure of Content
  • Broken Links/Images
  • Interface User-Friendliness
  • Quick Loading Time
  • Up-to-date and Useful Content
  • Ease of Navigation
  • Pleasant User Interface
  • Quick Loading Time
  • Up-to-date and Useful Content
  • Ease of Navigation
  • Pleasant User Interface

Thank you for your feedback

Visa Gold Credit Card Enjoy a whole new world of exclusive, personalised privileges.


This is to inform that by clicking on the hyperlink, you will be leaving and entering a website operated by other parties:

Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

Thank you for visiting