Premium Cards

Experience Prestige and Convenience with Our Premium Naira and FCY Denominated Cards

FCMB PLATINUM MASTERCARD

The FCMB Platinum Mastercard is a card with a symbol of prestige and exclusivity, designed for those who appreciate the finer things in life. This card offers you a banking experience that stands apart from the rest.

Exclusive Benefits:
  • $10,000 monthly spending limit
  • Free complimentary Utility Card (a pre-funded card used to pay utility bills and other recurring services)
  • Booking.com – Get up to 7% back in credits on eligible bookings through the dedicated Mastercard link (valid until December 2026)
  • Farfetch – Enjoy up to $300 off selected brands (May 2026 – December 2026)
  • GetYourGuide – Enjoy up to 12% off experiences booked through the Mastercard dedicated link
  • Purchase Protection – Coverage for eligible purchases against theft or accidental damage for up to 365 days
  • MyUS Premium Membership – Free membership and 15% discount on international shipping from U.S. online stores
  • Heathrow Express – Enjoy 12% off travel bookings
  • Fiit – Get 25% off your first subscription payment
  • Serena Hotels – Enjoy up to 10% discount on accommodation
  • BluBus (South Africa) – Get up to 5% off long-distance rides
  • Kenya Airways – Enjoy up to 15% discount on eligible bookings (valid until September 2026)
  • Trip.com – Get 10% off flights and hotel bookings (valid until March 2027)
Card limits:
Naira Cards
Channels Limit (NGN) Limit (USD)
ATM ₦100,000 $150
POS ₦4,000,000 $10,000
WEB ₦3,000,000 $10,000
USD Cards
Channels Limit
ATM Withdrawal $5,000
POS $50,000
WEB $50,000

A Domiciliary account is required to obtain a USD card. Don’t have an account? Visit the nearest branch

Naira card cost – ₦5,375 (VAT Inclusive)
USD card cost – $13.98 (inclusive of annual maintenance charge)

FCMB PLATINUM VERVE CARD

The Black Card Advantage - Experience Prestige Like Never Before

The FCMB Platinum Verve Card is a Naira card with a symbol of prestige and exclusivity, designed for those who appreciate the finer things in life. This card offers you a banking experience that stands apart from the rest. Whether you're making a transaction at any of our branches or enjoying an evening out, the Black Card signals your status and commitment to excellence. Elevate your banking experience with a card that truly reflects your lifestyle.

Exclusive Benefits:
  • Higher Transaction Limits: N2,000,000 for POS/Web payments daily (Platinum Customers).
  • Seamless subscription payments: Pay for subscriptions like Netflix, Spotify, Amazon Prime Video, Microsoft, Uber, Starlink and Facebook seamlessly in Naira.
  • Extra electricity units: Purchase electricity units on BuyPower.ng with your FCMB Verve Card and receive extra units as a reward.
  • Promo Days: Thursdays to Sundays every week.
  • International Acceptance: Enjoy seamless payments on top international platforms like Netflix, Google Play, Spotify, InDrive, Amazon Prime Video, Microsoft, Flywire, Starlink, Uber Wallet Funding, and YouTube Premium (exclusive to Android users).

Card limits:

Channels

Count

Limit (NGN)

ATM Withdrawal

10

100,000

POS

25

4,000,000

 

WEB

10

3,000,000

ATM Transfer

10

1,000,000

A Domiciliary account is required to obtain a USD card. Don’t have an account? Visit the nearest branch.

Naira Card Cost - ₦5,375 (VAT Inclusive)

USD card cost – $13.98 (inclusive of annual maintenance charge)

MASTERCARD CREDIT CARD (USD)

Features
  • A revolving line of credit to pay for goods and services and get access to cash
  • Up to $15,000 credit Limit (Determined by CoRM)
  • Accessible via ATM, POS and web. Allows you get cash whenever you need it at ATMs worldwide
  • Denominated in USD and linked to a USD account for repayment
  • Chip and PIN/Photo Card enabled for optimal security
  • Enhanced security with real-time transaction alerts and advanced fraud protection
  • 3-year card validity
  • Global acceptance at millions of merchants worldwide, both online and in-store.
  • Exciting offers and discounts when you spend locally and internationally
  • Statement of billing is sent to holder's email address 20th day of the month.

PREFUNDED FCY MASTERCARD

Empower Your International Spending

The Prefunded FCY Mastercard from FCMB is designed for those who seek hassle-free international transactions. With this card, you can easily manage your foreign currency expenses, allowing you to spend confidently anywhere in the world.

Features
  • Hassle-free international spending by loading your card with USD for cross-border payments.
  • Global acceptance at millions of merchants worldwide, both online and in-store.
  • Enhanced security with real-time transaction alerts and advanced fraud protection.
  • Easy management of your card balance and transactions via FCMB's online banking platform or mobile app.
  • Acceptable for cross-border payments in USD, making it easy to manage your foreign currency expenses.
  • Accessible via ATM, POS and web. Allows you get cash whenever you need it at ATMs worldwide
  • Chip and PIN/ Photo Card enabled for optimal security
  • Enhanced security with real-time transaction alerts and advanced fraud protection
  • 3-year card validity
  • Global acceptance at millions of merchants worldwide, both online and in-store.
  • Exciting offers and discounts when you spend locally and internationally
  • Product is open to all irrespective of annual income band.

Ready to Experience Prestige?

Simply click here or visit any FCMB branch today to request your Premium Card, or send us an email at premiumbanking@fcmb.com to learn more.