Debit & Credit Cards

Take full control of your account with our debit & credit cards.

Standard MasterCard

Mastercard

The Sterling Bank MasterCard was specifically made to cater to all your banking needs, from bills to cash transfers the card gives you access to various services 24/7.

• Safety & security of transactions due to Chip and PIN technology
• Naira denominated
• Easy access to funds in your account whenever it is required
• Additional security for web payments – OTP/Secure code
• Accepted wherever the MasterCard logo is displayed
• POS and Web Payments at no extra charge
• Easy access to funds 24 hours a day/7 days a week
• Eliminates the risk and inconvenience of carrying cash
• Provides flexibility of use across various terminals – POS terminals, Web, ATMs
• Multiple Value-Added Services – Airtime purchase, Bills payments, etc.
• Affords the cardholder exclusive access to discounts at certain merchant locations including experiential benefits by MasterCard

•  ATM – N150,000
•  Web – N1,000,000
•  POS – N2,000,000

Verve Cards

Shopping or making payments and withdrawals locally? Then our Sterling Verve Card is just for you. This debit card gives you 24hours access to your account and is linked to your Naira Savings or Current account, enabling you make payments on POS terminals, the Internet and withdraw cash from ATMs in Nigeria.

•  Safe & secure transactions due to Chip and PIN technology
•  Naira denominated
•  Balance checking, Quick Cash withdrawals, ATM Fund Transfers.
•  Shop and make online payments within Nigeria.
•  Accepted throughout Nigeria, wherever the Interswitch or Verve logo is displayed.
•  Easy access to funds 24 hours a day/7 days a week.
•  Eliminates the risk and inconvenience of carrying cash
•  Can be used across multiple channels – POS terminals, Internet, ATMs
•  Multiple Value-Added Services – Airtime purchase, Bills payments – DSTV, PHCN etc.

• ATM – N150,000
• Web – N1,000,000
• POS – N2,000,000

Verve Card
Visa Gold Card

Visa Gold Debit Card

Planning for that holiday or business trip abroad? Then be sure to have one of these handy! The Sterling Bank Visa Gold card allows you access your USD Dollar Domiciliary account from anywhere in the world without the hassle of handling foreign currency.

• Dollar denominated linked to US Dollar Domiciliary account
• ​​Withdraw cash from any VISA branded ATM or POS terminals worldwide.
• Make online purchase/payments securely.
• Issue a supplementary card on your account thus eliminating funds transfers.*
• Additional security for web payments – OTP/Secure code
• Easy access to funds 24 hours a day/7 days a week.
• Eliminates the risk and inconvenience of carrying and dealing with conversion of foreign exchange.
• Can be used across multiple channels – POS terminals, Internet, ATMs.
• Payment at POS terminals as well as via internet to pay for goods and services.

• ATM –$1000
• Web –$1000
• POS –$2000

Visit any of our branches nationwide to request for a card.

Visa Platinum Card

The Sterling VISA Platinum Naira Card is designed to offer a wide range of exclusive services to complement your lifestyle. You can enjoy offers enhanced transaction limits, personalised services alongside a diverse bouquet of offerings.

• Naira denominated
• Safety & security of transactions due to Chip and PIN technology
• Easy access to funds in your account whenever it is required
• Additional security for web payments – OTP/Secure code
• Easy access to funds in your account whenever it is required
• Airport Lounge – Access over 700 airport VIP lounges worldwide
• Worldwide emergency services
• Purchase Protection – Short-term insurance (90 days) against loss, theft/specified causes of accidental damage to goods
• Extended Warranty – original manufacturer’s warranty extended up to 24 months from the date the item is purchased
• Premium service at all Sterling Bank’s branches by simply displaying your Card to the Customer Experience Management Personnel (CEMPs) at the Customer Service Desk

You can access details of the above mentioned benefits on www.visapremium.com

• ATM – N200,000
• Web – N1,000,000
• POS – N2,000,000

Visa Platinum Card
Visa Credit Card

Visa Credit Card

Sterling Visa Credit card is a revolving Naira denominated Card designed to address customers’ needs for convenience and short-term loans. The bank assigns appropriate credit limit to cardholder after credit scoring.

• Naira denominated linked to a Naira denominated account
• Withdraw cash from any VISA branded ATM or POS terminals worldwide.
• Chip and PIN Secured
• Additional security for web payments – OTP/Secure code
• Offer customers an easy way to track expenses.
• 45 days interest free period
• Access to a revolving credit line
• Flexible repayment option
• Accepted on ATM and POS terminals and anywhere the Visa acceptance logo is displayed

•  Visa Classic Credit Card

  • ATM – N150,000
  • Web – N500,000
  • POS – N500,000

• Visa Gold Credit Card

  • ATM – N150,000
  • Web – N1,000,000
  • POS – N500,000

• Visa Platinum Credit Card

  • ATM – N150,000
  • Web – N2,000,000
  • POS – N1,000,000

Sterling Prepaid Card – Sterling Gift Card (NGN)

The Sterling Gift Card is a prepaid Naira denominated card which affords you the opportunity to give the card to friends and loved ones after funding it, enabling them purchase what they really want. For special days and occasions such as birthdays, anniversaries, special days or just for splurge sake, get a Sterling Gift Card today and plant a smile on a loved one’s face.

• Safe & secure transactions
• Naira denominated
•  security for web payments – OTP
• Accepted wherever the InterSwitch or Verve logo is displayed
•  The card is reloadable and valid for 5 years
• Suitable for online transactions
• Easy access to funds 24 hours a day/7 days a week
• Can be given to minors (below 18)
• No need for an account opening process as the card can be purchased right away at a branch closest to you
• It takes away the worry of choosing the right gift
• Offers great convenience
• Safe alternative to cash gifts
• Eliminates the risk and inconvenience of carrying cash
• Can be used across multiple channels – POS terminals, Web, ATMs
• Can be used for recurring payments that you are uncomfortable charging to your primary debit card
• Offers great discounts at merchant’s location
• No prior account is required

• ATM – N200,000
• Web – N1,000,000
• POS – N1,000,000

Visit any of our branches nationwide to request for a card.
Gift Card

FAQs on Visa Credit Card

Sterling Visa Credit card is a revolving Naira denominated Card designed to address customer’s needs for convenience and short term loans. The bank assigns appropriate credit limit to cardholder after credit scoring.

Sterling salary account holders, Sterling bank HNIs customers, business owners willing to secure the approved card limit with their investment /cash domiciled in the Bank and non-Sterling bank account holders

Visa Classic, Visa Gold and Visa Platinum – N1000

Visa Signature -N50000

Visa Infinite – $500

Upon receipt of your completed application, if found eligible for a credit card, your new credit card will be delivered to your branch within 5 working days from the date all the necessary information is received.

To activate your Sterling Credit Card and generate a PIN of your choice, you must:

  • Call our CustomerCare numbers on 01 – 4484481 – 5 for card activation.
  • Once activation has been confirmed you are required to visit any nearest Sterling bank ATM to generate a four-digit PIN.

To generate your ATM PIN:

  • Insert your card and input any four digits PIN of your choice, select the option ‘PIN CHANGE’ and then choose ‘ATM PIN’.
  • Enter a new four digit PIN (different from the earlier one entered) and re-enter same for confirmation
  • Wait for the ATM to display “PIN CHANGE SUCCESSFUL”

ATM withdrawal Fee(Local)

3%

POS/WEB Fee (Local & International

NIL

 

Monthly Fee

Annual Fee

Visa Classic

N50

N/A

Visa Gold

N50

N/A

Visa Platinum

N50

N/A

Visa Signature

N/A

N20000

Visa Infinite

N/A

$200

 

Upon approval of customer’s request, a credit limit is assigned to customer based on his/her income, current indebtedness and capacity to repay. The total amount utilized does not need to be repaid entirely each month, a monthly minimum payment as stated in your statement is required to keep the card functional and interest will be charged on the unpaid balance after the 45days interest free grace period.

Your Credit Card statement is generated every first day of the month and forwarded to your personal email address.  If you do not receive your statement within 3 days from stated date, kindly contact customercare@sterlingbankng.com  and your statement will be sent to you

The payment due date is 30th day of every month after receiving the statement.

The least amount you must pay by the due date is the “minimum repayment”, found on your monthly statement. This amount is usually percentage of the total utilized amount plus all fees and interest. e.g., if you withdraw N20,000 plus N600 charge, you are to repay at least 10% of 20,600 which is N2060.

You can choose to pay 100% amount due and no interest will be charged on the card but if you choose to pay at least minimum amount due, the remaining balance will be carried over to the next statement period with the applicable interest charge on it.

Interest is calculated on the outstanding balance on your credit card (i.e. after making the minimum repayment), interest is calculated on the unpaid balance.

Cardholder is expected to make at least minimum payment of total outstanding balance on or before the due date (30th of the succeeding month), late payment fee of N2000 flat will be charged to your card inclusive of interest. Your Visa Credit Card account will be force debited for repayment. If after 60days (two cycles), repayment is not made, system automatically deactivates your card.

– Partial Repayment: If part of the total outstanding amount due(Which is less than the minimum repayment amount) is paid before end of the month, you have only reduced your total indebtedness and after end of the month, you will still be required to make payment of at least your minimum amount due on or before payment due date .

– Minimum Repayment: If the advised minimum repayment amount is made available on or before the 15th of the succeeding month, the remaining balance will be carried over to the next statement period with the applicable interest charge on it.

– Full Repayment: If total outstanding amount due is paid before end of the month, you have cleared your total indebtedness and when statement is generated, your outstanding amount to be paid will be zero (0).

You can make payments in several ways:

– Through Alternative Channels(Internet banking, mobile banking)

– Complete a deposit slip with the card account number and pay over the counter.

Please notify us immediately by calling our Customer Care on 01- 4484481-5. This will protect you from subsequent unauthorized use of your card and enable us to provide you with a replacement card.

Yes you can have supplementary card attached to your card. You and your supplementary cardholder shall share a single credit limit.

Yes you can have supplementary card attached to your card. You and your supplementary cardholder shall share a single credit limit.

If you notice any unauthorized transaction on your card, kindly call our Customer Care immediately on 01-4484481- 5 or email customercare@sterlingbankng.com

If you have any complaint, kindly contact your branch or call 01-4484481-5 or email customercare@sterlingbankng.com

FAQs on Sterling Debit Cards

Your Debit Card can be issued instantly at any Sterling Bank Branch Nationwide.

Sterling salary account holders, Sterling bank HNIs customers, business owners willing to secure the approved card limit with their investment /cash domiciled in the Bank and non-Sterling bank account holders

Your Savings and/or Current Account.

There are 3 ways to activate:

– In-Branch activation

           Select your preferred four-digit PIN using the POS at Sterling Bank branch

– USSD activation

  1. Dial * 822 * 19 #
  2. Select 1 (Card Activation)
  • Select Card Number you wish to activate. Ensure expiry date displayed matches the expiry date on card
  1. Set your preferred four-digit PIN

     *For POS transactions, ensure to change your pin on our ATM.

  • ATM activation
  • Insert your Debit Card in the ATM
  • Select “New card? Select PIN
  • Enter a default four-digit PIN
  • Select “Proceed button” to generate OTP
  • See “Kindly note that your mobile phone will be used to complete your PIN selection”
  • Enter the OTP on your mobile phone
  • See successful PIN change

Web transaction

Free

POS transaction

Free

ATM transaction(International)

N240 (International only)

ATM transaction (Domestic)

N65 after the 3rd transaction (on another bank’s ATM)

Daily ATM Withdrawal

N150,000

Daily POS Transaction

N2,000,000 (Subject to increase upon request)

Daily WEB Transaction

N1,000,000 (Subject to increase upon request)

You can use your Visa or MasterCard for International transactions. Your Verve card can be used for domestic transaction only.

Yes. Your Debit Card can be used on all ATM, Websites and POS that accept Verve, MasterCard and Visa for payment.

Yes. For any purchase on the internet, you will receive a One Time Password (OTP) via SMS or email to validate you are the one using your Card.

Call our customer care on 070078375464 or send an email to customercare@sterlingbankng.com

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