GTBank Naira MasterCard Vs Visa Classic Debit Card, Features & Benefits - TECH NEWS AND TRICKS

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GTBank Naira MasterCard Vs Visa Classic Debit Card, Features & Benefits

Naira MasterCard ,Visa Classic Debit Card is one of the card issued to customers whenever you partner with them, the most issued one is Naira MasterCard which is  a Naira debit card in partner with MasterCard worldwide. These is Naira denomination card which can be used to settle bills any part of Nigeria , even outside Nigeria. It can used to settle purchases via POS terminals and online in other major currencies. Naira Master Card is linked online, real-time to your current or saving account.


Visa Classic Debit Card is an international payment card issued in  partnership with Visa international, it is denominated in US Dollars, but can also be used to settle payments in other major currencies. All transactions done using the GTBank Visa card are reflected on your account instantly.

Features & Benefit  (Naira MasterCard)
  • Introducing Card Secure from Guaranty Trust Bank
  • GTBank has simplified the process of completing online international transactions with your GTBank card through the use of a One Time Password (OTP) to complete online international transactions on merchants’ sites that require a MasterCard Secure Code or Verified by Visa code.
  • One Time Password (OTP) is an added card security feature for all GTBank cardholders.
  • It is a unique 6-digit code that can be received via:

Registered Phone number
Registered Email Address
GTBank Hardware token
The code received can then be used to confirm or complete online purchases whilst shopping online at participating online merchants.

Benefits of Card Secure
Enhanced Online Security
Easy to use
No required software to download and works from any computer.

Features & Benefits (Visa Classic Debit Card)
  • Access to Cash – Gives the customer 24-hour access to funds from about 2.1 million Visa ATMs worldwide.
  • Acceptance for Payment – Can be used to pay for goods and services at millions of Visa locations worldwide (hotels, supermarkets, etc) in over 210 countries and across other channels such as the Internet.
  • Safety – Employs the use of Chip & PIN technology to guard against unauthorized transactions. The card also uses Card Secure, which is an additional secure verification feature for web (online) transactions.
  • Personalized – Customer’s name is printed on the Visa Classic Debit Card.
  • Validity: 2 years

Transaction Limits(Visa Classic Debit Card)
  1. ATM Daily Withdrawal Limit: $1000 (or equivalent in the local currency of any transaction)
  2. POS: No Limit
  3. Web (Online): No Limit


Transaction Limits(Naira MasterCard)
  1. Local ATM Withdrawals: N150,000
  2. Local POS transactions: N3,000,000
  3. International POS & Online transactions: $1,000 monthly
  4. N/B: ATM cash withdrawals have been limited to within Nigeria. 
  5. Annual Spend Limit: No Limit