Best Virtual Credit Cards in Nigeria for 2022

A virtual credit card is a card with all the functionality of a regular credit card, but is not physical. Although it is not available in plastic like a physical card, it is an online account like your regular bank account. Keep reading to learn more about the best virtual credit cards in Nigeria for 2022.

What is a virtual credit card?

Virtual credit card allow you to access your bank accounts and transact in the same way as a physical debit or credit card without carrying it around. Some virtual cards also offer cashback offers, which means you can earn rewards on everyday expenses like groceries or utilities.

Advantages of a virtual credit card

Virtual cards are convenient because you don’t have to find receipts every month or worry about your lost debit/credit cards. By using these cards, you are protected by anti-fraud policies that allow you to refund any unauthorized purchases or charges. Virtual cards also have lower fees than most physical credit cards.

Best Virtual Credit Cards

There are top virtual credit cards that can offer many rewards and great rates. Not everyone can get the best virtual credit card in Nigeria. You need to be serious about your spending behavior and have a certain level of income to apply for the best cards.

Trade by Flutterwave

Need to make payments online? This is where Barter by Flutterwave comes in. Barter specializes in mobile money and digital wallets, which means they can help you turn your money into a digital wallet and vice versa.

All features of this app allow you to send and receive money from abroad. You can fund it from your bank account, your bank card or your mobile money account. The Barter app also lets you make online payments on most websites for items like utilities, groceries, tuition, and even transportation.

Fibo credit card

Banks are surely making their way into the virtual world, and a few in Nigeria have led the charge with the introduction of credit cards, which give you access to your bank account on your smartphone. currently offers free credit cards, zero interest loans and many other features. The best part about these cards is that they are easy to use, and you can even pay for goods or top up data or airtime with them!

This is a credit card that you can get without payment at first. This particular card has an option that allows users to access funds up to ₦1,000,000. There is no interest charged on this card like with traditional cards.

This is intended to be used for bills, other goods and services, and personal emergencies when you need funds quickly. If all goes well and you pay your bill every month, no interest is charged on the account balance like a typical credit card company. If you wish to fund your Fibo credit card account with your personal funds, you can do so online.

Africa Portfolios

It is a Nigerian startup that offers virtual and physical cards in naira and dollars. Given the true nature of these credit cards, they are ideal for travel, which many Nigerians find it difficult to do due to the increase in theft.

For travelers who don’t want the physical card to be seen while traveling, this digital wallet is 100% risk-free. All you need to provide is your email address during checkout, and your billing information will also remain private!


Eversend is a fintech startup that offers multi-currency accounts in Nigeria and other African countries. You can top up your account in different ways. This card allows you to make payments anywhere online.

Eversend is a great choice for anyone who is tired of losing money trading currencies in an offline office. You can also use the app and the card to transfer funds to your Nigerian account from anywhere in the world.

ALAT by Wema Bank

ALAT by Wema Bank is an existing account to which money can be deposited and withdrawn at any time. It works like a credit card, except it doesn’t involve anything physical. It is very easy to use and is a great way to protect your money while you transact online.

If you currently use a virtual credit card but are not satisfied with the service, we recommend that you consult ALAT as an alternative.

Cash fund

This fintech company offers online financial services in Nigeria. Fundall offers a wide range of financial services to individuals and businesses.

They provide loans, digital wallets for secure money transfers to friends and family members, purchase protection on purchases made from the Fundall app, secure payment gateways for payment processing on websites or apps, easy access to a digital banking service that encourages savings by offering competitive interest. the rates on deposits without limit of transfer as well as the monthly statements.

The essential

Virtual credit cards are a good option for those who want a safe way to manage their money financially, but still want access to their bank accounts at all times. To get the best virtual credit card in Nigeria for 2022, Fibo is a great option, just drop your details and get an invite.