Get CredPal Credit Card, compare and save

Review range of credit cards from CredPal, their benefits and cost on usage.


1.5% – 7%

Monthly Interest

1, 000

Min. Fee/year

0.5% – 5%


CredPal Credit Card

4.5 out of 5 stars (4.5 / 5)

  • Credit facility up to ₦5, 000, 000
  • Repayment tenure of 30 days for credit and up to 12 months for standard loan
  • 0.5% – 5% cashback on shopping
  • Freeze and Unfreeze card when necessary
  • For salary earners and businesses
  • Yearly fees between 1.5% – 7% depending on plan


We have been in those situations when you need to tackle emergencies and our funds are not enough to cater for.

Turning to one of the loan providers might not be the best to handle the situation as you might have to wait days for the money to get approved especially when the funds needed is a little high.

To kill that wait, CredPal is one of the credit card providers in Nigeria and your pal allowing you to access funds when you need it.

The money you require will be assigned as a line of credit that is accessible through your card which you can use whenever you want.



CredPal Credit Card Plans

CredPal has three plans for its credit cards, which are:


This is the default plan.

The interest rate on the used facility per month is 7%, though it comes with just ₦1, 000 annual fee for platform usage.



Its premium plan has a cheaper 4% interest rate on funds used monthly.

But for service fee on yearly basis, it will cost you ₦5,000



The prestige is its highest placed plan.

It has the lowest monthly interest rate on facilities at just 1.5%.

Though you will have to cough out ₦52, 000 as a service fee at the end of the year.


How the CredPal Credit Card Works

Just like every other, the CredPal credit card works as described in the following steps:

Request for a CredPal Credit Card 

For you to own this card, you will first need to register and then submit an application.

This is easy as you will be required to verify your official profile based on the card type being applied for.

It takes a few steps and once your application is approved, you will be given a CredPal credit card.


About CredPal Credit Card

The company was founded in 2018 as a point-on-sale credit facility provider enabling people to make purchases and pay in instalments.

With its credit card, the wait time for document verification at the point-of-sale centres is reduced and an edge over a loan as you will now have access to funds from your CredPal credit card which you can use to checkout at shopping points.

Office Address

CredPal Office Address

75b Olonode Street, Off Spencer St,

Alagomeji-Yaba, Lagos


CredPal Contact Number

0814 311 0361


CredPal Credit Card FAQs

How do I Apply for a CredPal Credit Card?

To get a card, simply click the button below:

Apply for CredPal Credit Card
What is a Credit Card?

It is a physical card that works like normal debit cards, but it grants you access to a revolving credit that you only pay interest on the funds you have used and not on the total allowable limit.

Am I Eligible to Appy?

CredPal Credit Card is available only to salary owners.

If you are employed with a firm that can be verified then, you can apply.

What are the Requirements for a CredPal Credit Card?

You will need the following to be eligible to apply for a card:

  • Valid employment
  • BVN
  • Company’s ID Card
  • Official Company’s Email
  • Nationally valid ID Card (e.g International Passport, Driver’s License, Voters Card, National ID Card)
How Soon for my Account to Verified

Basic verification is real-time but to be eligible, your overall application will undergo a review which could take between 2-3 working days.

Do CredPal Credit Card work on ATMs?

The card is akin to normal debit cards hence, you can withdraw funds using an automated teller machine.

What is CredPal Credit Card charges?

The fee is between 1.5 – 7% on running monthly credit.

Applicable usage fees vary based on card types but sign up is totally free.

How Long Before I Repay

The length of repayment is 30 days.

How do I Repay?

You can repay by funding the bank account of the debit card linked to your CredPal Credit Card wallet or simply transfer to a designated CredPal account.

What is my Limits?

Your limit is determined by factors that include your credit score and your monthly salary provided at the point of sign up.

Can I access more funds above my Limits?

Once you have exhausted the permissible limit funds on your CredPal credit card, you can’t access more until you have repaid the existing facility.

What if I need more money higher than my Limits?

CredPal offers a standalone loan facility up to ₦5,000,000 which you can apply for.

You can send your request for a standalone loan which can last up to 12 months of tenure.

How do I add a new Card to my CredPal Credit Card?

As an individual, you can own a maximum of one card while businesses can own more by simply assigning employees from their business dashboard.

What is a Cashback?

Cashback is a kind of reward where you earn a percentage of the amount spent back to your account.

An example is, a cashback of 10% on ₦1,000 means, each time you spend up to ₦1,000, you will earn ₦100 which will be credited to your account.

What are the Benefits Using CredPal Credit Card?
  • Immediate access to funds when needed
  • Cashback up to 5%
  • Loyalty points on usage
  • Ability to freeze and unfreeze your card from usage (which put controls in your hands when for instance, you misplaced your card)


We put in a good work through rounds of testing and research for you to get the best.

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