Unity Credit Card

Product Description

  • The Credit Card is secured with cash collateral (75% of fixed deposit) or salary account domiciliation
  • The Credit Card is Naira denominated
  • The Credit Card is revolving with 3 years’ validity
  • The Credit Card has a 40 days’ cycle with 10 days’ interest free period
  • The Credit Card has a fixed Interest rate of 3.5% monthly on outstanding balance
  • The Credit Card is available on Standard and Platinum variant
  • The Credit Card is enabled for local transactions on ATM, POS and WEB.


  • Opportunity to build a good credit history for future lending.
  • Convenience of repayments with our local currency (=N=)
  • Global acceptability of MasterCard
  • Card acts as a bridge for short term cash flow gap.
  • Interest is charged only on outstanding balance
  • Customers are expected to only pay at least 10% of monthly repayment


Customers must have a Unity Bank salary account or a Fixed Deposit account.