Key benefits

  • Get up to 55 days' interest-free credit
  • Access exclusive worldwide Visa benefits, including global customer assistance
  • Interest rate of 48% per annum
  • Get 0.5% cashback rewards when you swipe or buy online
  • Get up to 40% discount offerings from our alliance partners
  • Use your card to pay for your airline tickets
  • Minimum monthly repayment of only 5% of the total spent balance
  • Access to 60% cash from credit limit from any Visa ATM
  • Annual fee: GHS150
  • Minimum income requirement: GHS5,000
  • Late payment fee of 10% or GHS20 (whichever is higher)
  • Scheme mark-up fee of 5% per transaction
  • Card replacement fee of GHS50


  • Documents required

    Absa account holders (salaried customers)
    • National ID card (or passport for non-Ghanaians)
    • Latest payslip
    • Completed application form
    Absa account holders (non-salary customers)
    • National ID card (or passport for non-Ghanaians)
    • Completed application form
    New-to-bank customers
    • 1 month account balance
    • Completed application form
    Existing customers
    • National ID card
    • 6 months' banking relationship with Absa to qualify
    • Completed application form
    Non-resident requirements
    • Attach the following documents:
    • Passport picture
    • National ID
    • Copy of the biodata page of your passport
    • Proof of residence in the form of: recent utility bill, social security number, driver’s licence
    •  Evidence of employment status in the form of a bank statement or credit card statement
    •  TIN (applicants residing in the US)
    • Documents must be certified by a notary public, or at an Absa branch or Absa subsidiary
    • Right of abode

Credit card tips

Choose wisely

Choose a card that matches your lifestyle and that offers rewards with benefits you’ll actually use. Take advantage of your spending. Be smart and master the art of credit card rewards

Know your limits

Make sure you know your credit limit and spend your credit wisely and within the limit. Credit cards don’t provide you with free money, you should view it as an additional salary

Build a good credit record

To start building your credit record or improve it, you need to stay in the loop with respect to your credit worthiness, and understand your credit score and credit report. Be aware of the interest rate connected to your card. Choose low monthly and annual interest rates when you can

Protect your credit during tough times

We have credit protection plans that will help settle the repayments of your debt in the event of death, disability, or critical illness

Need more help?

Call us on:
+233 (30) 242 9150 (network charges apply)
0800 222 333 (MTN and Vodafone customers)

Chat to Abby on WhatsaApp: 
+233 501 644 644

Email us: