Personal    |    Diamond Visa Credit Cards

Why Choose The Diamond Visa Credit Card

Why Choose The Diamond Visa Credit Card

Convenience

A credit card allows you to buy what you need, when you need it. If it’s the day before pay day and there is a sale that you cannot miss, or an emergency that requires access to cash, your card is available for you to use.

If you’re planning to travel, you no longer need to source foreign currency before hand. Take your card, and spend only what you need to, when you need to.

Safety

Carrying our card is safer than carrying cash. When your cash is stolen, it’s gone forever. If your credit card is stolen, you can phone our call centre and hotlist the card immediately, minimising your losses.

Easy Cash Flow

At Diamond Bank we understand that no matter how carefully you plan, every now and then you may have to make an unexpected payment. The Diamond Visa card is accepted by over 160 million merchants and ATM outlets worldwide. You can get up to 45 interest-free days on purchases and internet transactions, as long as you pay your card statement in full.

Please note that this only applies to purchases made on your card at a merchant or online. You will get charged interest on all cash transactions from the day you make a withdrawal. Interest is calculated based on how many days you use the money.

Diamond Gem Rewards

With our credit card, you earn points for every purchase you made. The more you use your card, the more you earn, and these gem points are redeemable from any of our loyalty partners.

Loyalty Points (Non-Cash Transactions)
Classic Card Gold Card Platinum
N200 = 1 Point N175 = 1 point N150 = 1 Point

List Of Loyalty Partners

Cardholders can redeem their loyalty points for free goods and service at any of these outlets.

  • Cool World Stores
  • Inifinity Tyres
  • Wakanow
  • Empowerment Support Initiative
  • Park ‘n’ Shop
  • Qatar Airways

How To Redeem Your Loyalty Points:

Every month we send you a statement to you with the total accumulated points. You can then redeem your accrued points by sending a mail to diamondvisacard@diamondbank.com or visiting any of our branches. We will then credit our loyalty partner with value for goods and services you wish to redeem. accrued points on park n shop credit cards are redeemed for vouchers exchangeable for goods and services at Park n Shop /Spar outlets.

What Cards Do We Offer

Classic Credit Card is available to individuals who earn a minimum gross income of N80,000 monthly.

Gold Credit Card is available to individuals who earn a minimum gross income of N600,001 monthly.

Platinum Credit Card is available to individuals who earn a minimum gross income of N1,000,001 monthly.

Gold and Platinum Xclusive Cards: A special card designed for high net worth individuals that operate a DiamondXclusive account.

Classic, Gold and Platinum DiamondXtra Cards: A cash secured credit card that offers 75% of amount on hold as credit limit. This is a great first card to hold and helps you build a credit history.

image

How To Redeem Your Loyalty Points:

Every month we send you a statement to you with the total accumulated points. You can then redeem your accrued points by sending a mail to diamondvisacard@diamondbank.com or visiting any of our branches. We will then credit our loyalty partner with value for goods and services you wish to redeem. accrued points on park n shop credit cards are redeemed for vouchers exchangeable for goods and services at Park n Shop /Spar outlets.

What Are Our Fees?

 Diamond Bank Plc  DiamondXtra Credit Card  Park n Shop Credit Card  Corporate Charge Cards  Xclusive Credit Card  Standard Card
Fees & Charges Classic Gold Platinum Platinum Gold Gold Platinum Credit-Classic Card Credit-Gold Card Credit Platium Card
 Monthly Service Fee  N300  N500  N700  N750  N/A  N250  N500  N750  N1000
 Supplementary Card  Monthly Service Fee  N250  N/A  N/A  N375  N/A  N/A  N/A  N250  N375  N500
 ATM Cash withdrawal Fee (On-us)  N240  N240  N240  N240  N240  N240  N240  N240  N240  N240
 ATM Cash withdrawal Fee (Local & Int’l Transaction)  3% to a maximum of N240
 Currency Conversion Fee (Int’l Transaction)  2.50%  2.50%  2.50%  2.50%  2.50%  2.50%  2.50%  2.50%  2.50%  2.50%
 Supplementary Card Issuance Fee  N/A  N/A  N/A  FREE  N/A  FREE  FREE  N500  One FREE, then N500  Two FREE, then N500
 Card Replacement Fee  N500  N500  N500  FREE  N500  FREE  FREE  N500  N1,000  N1,500
 Annual Fee  N/A  N/A  N/A  FREE  N40,000  N/A  N/A  N/A  N/A  N/A
PIN Re-issuance Fee N500 N500 N500 FREE N500 FREE FREE N500 N500 N500
Interest Rate
POS 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
ATM 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
Late Payment Fee N2,000 N2,000 N2,000 N2,000 N2,000 N2,000 N2,000 N2,000 N2,000 N2,000

How Do I Get One?

Walk into any of our branches and ask to speak to anyone about our diamond visa card. You don’t have to bank with Diamond Bank in order to qualify. We will require you to comply with our standard Know Your Customer (KYC) benchmarks prior to being issued a card. In order to achieve this, we require the following documents:

Salaried Diamond Bank customers

– Duly completed card application form

– Confirmation of employment

– Gross salary confirmation

Non-Salaried Diamond Bank customers (e.g. Sole Proprietors)

– Duly completed card application form

– Company registration documents.

Salaried customers who bank with other banks

– Duly completed card application form

– Two copies of recent passport photograph of self

– Valid means of applicant identification

– Address verification (electricity bills, water rates etc)

– Confirmation of Employment

– Gross salary confirmation

– Three (3) months bank statement

Already a Diamond Bank Visa Cardholder? Click any of the links below to find out more about your card

Enquire Now