How To Get The UBA Africard Visa Debit Card

The UBA Debit Visa Card called Africard is another good option to make payments online from Nigeria. Some call it UBA Africard Credit Card but it’s a Debit card. I recently talked about how to get the Zenith Bank Prepaid Debit Card and what you can do with it but later just walked into a UBA branch to make a transaction few days later when I saw people requesting for the card. I got interested and walked up to the customer care guy to ask what the card was meant for. He told me it’s a credit card that you can use to make payments on the web, withdraw cash at ATM and make payments at PoS terminals.

UBA Africard Visa Debit Card

This is great I think but I was not convinced of it’s wide acceptability on the internet because I once got the GTBank Naira Mastercard like that and it was rejected in all attempts I made to use it online. So, I asked the guy how much it costs and he told me I can start with as low as N2,000. Well I can gamble with this, I though, so I took out three N1000 notes and gave the guy but he rejected and instead asked me for a Utility bill (PHCN Bill), recognized ID (National I’d card, International Passport or Driver’s Licence) and a passport-sized photograph. I quickly rushed to my house to pick the PHCN bill and produced that with my Driver’s Lisence and passport-sized photograph. He gave me a form to fill and that s the beginning of the process to get the UBA debit Visa card called Africard.

Note: if the PHCN bill does not bear your surname, take the most recent receipt you got for paying your rent with you instead.

Go through the form and fill it carefully. You will get to a point where you will be asked to choose services to disable amongst ATM, Web and PoS, be careful not to disable Web because that’s the purpose I think you want to get it. Except if you have a different mission. I will even advice not to strike any option out. Also, you will be asked the type of card you want.
There are two options there but if you want to get your card that day, don’t choose the personalized option. The personalized simply means that you want your name on the card and this might take up to a week to process but the unpersonalized one gets ready immediately but it won’t bear your name on it. Instead, it will just bear “UBA Cardholder” like in the one above. I’m not a big fan of the post I wrote about how to get a free Payoneer Mastercard because it can take up to three months before it arrives in Nigeria.

After they have confirmed the information you filled in the form, you will be given the account number associated with your card. Pay into this account and it will be credited almost immediately. Now you can start to use your UBA Africard Debit Card Online. Getting a Credit Card in Nigeria to make payment online is still very difficult but these are very good solutions at this time to get your own credit card in Nigeria.

Before I forget, I have used the card to pay for Hostgator hosting as well as Google Adwords and Facebook ads. These are just the few sites I’ve used it. There are also some Hosting you can buy with Liberty Reserve if you can’t get any of the Debit Cards available for some reasons, especially getting a utility bill or a recognized means of identification.

Try to get your own today and give me feedback here.

Hope this helps you! Regards!


  • Reply July 23, 2012


    whaoo sounds good,can i use it for amazon? Ebay? Namecheap? Clickbank? And how much will i be charge if i wanna load it? Or is it free,will i be charge if purchase online? Pls answers me

    • Reply July 23, 2012

      Ahmed Ogundimu

      I’ve mentioned the only sites I’ve used it. Google Adwords, Facebook Ads, Hostgator. Let us know when you use it on any of the sites you mentioned!

      • Reply July 29, 2012

        Ahmed Ogundimu

        As a rider, I have not really been able to correlate the percentage they deduct per transaction but I can tell you it is very small. I made a purchase worth N16000 online and the charge was around N400.

  • Reply August 8, 2012

    Abiodun A.

    Hello Ahmed,

    Thanks for the good write up on the UBA VISA Prepaid card also known as AFRICARD. I must confess you have done a very good job.

    I would like to respond to assumptions that may come from this product as I happen to work with the team that deployed the card into the market at UBA Plc.

    The UBA Visa Prepaid card is a payment card which is setup WITHOUT the need for the customer to own/operate a bank account with UBA.

    It is a NAIRA denominated card that is pre-funded and re-loadable. It is internationally accepted at all Visa acceptance points. The card can also be used for ATM, PoS and Web transactions.

    - PIN protected with Chip Technology for Enhanced security
    - Balance Enquiry
    - SMS transaction alert notification
    - Payment for goods and services on WEB, POS Terminals at Merchant outlets.
    - Card to Card transfer
    - Account to Card transfer using U-direct (Individual)
    - Account to multiple cards transfer (Corporate)
    - Africard can be used as Fuel card, Travel card, Corporate expense card, payroll card, hospital card, etc
    - Travel card can accommodate as much as $40,000 dollars annually, subject to terms and conditions of the bank.

    Other enhancement coming up on UBA Africard include:
    - Account to card transfer using U-mobile (UBA customers)
    - Account to card loading using the etranzact platform

    UBA Africard gives you room to roam your money around world, it also allows you to track your spending on a daily, weekly and monthly basis. It gives you the freedom to shop on any online shop worldwide.

    Please visit the nearest UBA Plc business office for more enquiries

    Ahmed and Cynamix crew, great job.



    • Reply August 8, 2012

      Ahmed Ogundimu

      Thanks for the addition Abiodun, it will surely be of great help to Cynamix readers.

  • Reply August 14, 2012

    Jide Ogunsanya

    I was at the bank here in Otukpo, Benue state yesterday and I was surprised that most of them don’t even know what Africard is. After some in house consultation, I was told they do not have it in the branch. Now, I have to wait till maybe when I travel to Enugu to get the card. Sucks**

    Please, how much are you charged per transaction and when you fund the card?

    • Reply August 14, 2012

      Ahmed Ogundimu

      The highest transaction I’ve made so far is N15,801 and they charged N434. Don’t even know if it’s okay or too much!

  • Reply August 15, 2012

    Abiodun A.

    @ JIde Ogunsina, your feedback on your inability to pick up the card from Otukpo is well noted and will be resolved immediately.

  • Reply August 15, 2012

    Abiodun A.

    My apologies please@ Jide Ogunsanya

  • Reply August 15, 2012

    Abiodun A.

    @ Ahmed, I want to believe you used the card online to purchase on a foreign web? Please find below fees charged on International POS/WEB

    Intl POS/WEB – 2.75% of the Transaction Amount

    Kindly check this and you will find out that the fees charged is very intact.

    Many thanks for your feedback

    Appreciate it.


    • Reply August 16, 2012

      Ahmed Ogundimu

      Yes, I used it to pay for a service on the internet and from calculations with the figure you gave, you are likely to be right!

  • Reply November 3, 2012

    Byke Freeborn

    u are just one of a few great guys I happen to run into, in the course of this life ff me @bykefreeborn and thanx for a massive info.

  • Reply January 2, 2013

    Zandulen Jumbo

    Good afternoon, and Happy New Year Ahmed Ogundimu.
    Please I need your URGENT Assistance and opinion.
    I'm having problems making payments on with my unpersonalized UBA Africard. They keep saying they "are unable to process my credit card".
    What I'm I doing wrong or what do I need to do?
    Thanks a lot for your time, and hope to hear from you soonest.

  • Can anyone help with my africard?

    • Reply June 21, 2013


      I have one they give to me but that does not work in other country they told me it is new but the expire date is after 3 months it is from the UBA Bank

Leave a Reply