One Card, Endless possibilities

0% interest with your credit card

Endless possibilities

With the UBA Credit Card, you get up to N3 million and have the option to pay 0% interest when you repay within 45 days.


What's in it for you ?


No awkward conversations! No waiting around! 


How to apply

  • – Download the credit card application form here and complete all necessary fields.
  • – Visit any of our branches nationwide and submit your duly completed application form to the Customer Service Officer.

Issuance/Renewal/Replacement Fee – N1,000 (Vat exclusive)
– ATM Withdrawal (Not on Us) – N35 from the 4th transaction within a month.
– ATM Withdrawal outside Nigeria – N1,200 + Acquirer fee.
– Maintenance Fee – N50 quarterly (Vat exclusive).
– Withdraw cash from ATMs or make payments on terminals locally or internationally.
– Insurance Cover – 1.5% of the credit limit renewable every 3 years

Unsecured Credit Card (For Salaried Customers)
Employer must be on the bank’s approved list
Customer must be a full time employee of the listed company.
Customer must have received an average monthly salary of N250,000 over the last 3 months
Customer must be between the ages of 18 and 57.
Customer must have executed Global Standing Instruction to set off any indebtedness with the Bank from customer’s accounts funded with other banks
Customer must not have any adverse Credit Bureau or CRMS report.
Secured/Cash backed Credit Card (For SMEs and Self Employed Individuals)
Customer must be an individual or SMEs with active account with UBA
Cash-backed amount should be at least 125% of loan amount
Customer must not have any adverse Credit Bureau or CRMS report
Maximum limit will not exceed N3million
Customer must have executed global account set-off in favour of the Bank.

Frequently Asked Questions

  • A superfast loan that is open to everyone with a UBA Salary account.

  • Dial *919*28# or apply on any of our digital channels. (Leo, Mobile Banking and Internet Banking).

  • Simply open a UBA account with any of these options:

    • – Dial *919*20#
    • – Chat with LEO:
    • Search for “UBACHATBANKING” on Facebook with the verified logo (Blue Tick).
    • Or say “HELLO” to Leo on WhatsApp +2349030019007
      • – Download the UBA Mobile Banking App and choose the “open an account” option

    Visit a UBA branch close to you to open an account

You can get up to N1,000,000.00 (One million naira) in a minute.

You can spread your repayment over 12 months.

No Processing and paperwork! Just dial and get your loan in less than a minute!

To qualify for a loan, you must have received your salary through UBA for the last 6 months.

  • Your Confirmation status at your place of employment is not a requirement for the loan.

You must have been receiving your salary through UBA for at least six months before you can be eligible for this loan.

No hidden fees, no extra charges.

A low interest rate of 30% p.a. (2.5% monthly).

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