Premium Debit Card

Platinum MasterCard.

Issued in partnership with Mastercard International, the Platinum Mastercard gives you exclusive access to premium benefits — airport lounges, global acceptance, and more.

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3 Variants ₦ · USD · GBP 600+ Airport Lounges 5 Yrs Validity

✦ Platinum Access

Card Variants

Three cards. One platinum experience.

Choose the Platinum Mastercard that matches your account — Naira, Dollar, or GBP. All three offer the same premium benefits and global acceptance.

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Platinum Naira Mastercard

₦ Naira

Denominated in Naira and linked to a Naira current, savings or corporate account. Spends locally up to ₦2,000,000 a day on POS and Web, and internationally up to $3,000 per month per cardholder.

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Platinum Dollar Mastercard

$ USD

Denominated in USD and linked directly to your Domiciliary (USD) account. Issuance is free, daily POS spend runs to $10,000, and the annual limit reaches $100,000.

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Platinum GBP Mastercard

£ GBP

Denominated in GBP and linked to your Domiciliary (GBP) account, with no cross-currency conversion fees on GBP transactions and an annual limit of £100,000.

Also available as ProvidusEco

Every variant can be issued on standard PVC plastic or as ProvidusEco — an eco-friendly card made from wood or recycled plastic, with a tree planted for every card issued.

Card Features

Built for the way you live and spend

Dual Account Linking

Link your Platinum card to either savings or current account — or both — giving you the flexibility to manage your finances seamlessly.

24/7 Global ATM Access

Withdraw cash from any ATM displaying the Mastercard logo, in Nigeria or anywhere in the world — around the clock, every day of the year.

Chip & PIN Security

Advanced chip and PIN technology protects every transaction, guarding against unauthorised use whether online, on POS, or at ATMs.

Zero POS / Online Charges

No charges when you pay on POS terminals or transact online — whether shopping locally or internationally. Spend more, pay less in fees.

All Channels Accepted

Accepted on ATM, POS, and all web platforms worldwide wherever the Mastercard decal is displayed — full omnichannel coverage.

5-Year Validity

Your Platinum Mastercard is valid for 5 years from date of issuance — less card renewal hassle, more time to enjoy your benefits.

Premium Benefits

Platinum perks, wherever you go.

An affluent card offering access to an exclusive range of travel, lifestyle and shopping benefits across more than 700 merchant locations — from airport lounges to purchase protection and exclusive partnerships.

Free VIP Airport Lounges

Complimentary access at Bi-Courtney (MMA2), Gabfol (Lagos & Abuja International and MMA1), Lounge One and Airspace (Abuja Domestic) and the VIP lounge in Asaba — just present the physical card.

600+ Global Lounges (Discounted)

Access over 600 airport lounges locally and internationally at a discounted rate of $32.00. Download Mastercard TravelPass and register the card to get started.

$3,000/Month International Spend

Naira Mastercard holders can transact internationally up to $3,000 per month per cardholder, at $3,000 a day on POS and on Web.

Purchase Protection

Enjoy peace of mind knowing your eligible purchases are protected — because every transaction you make should be covered.

AVIS Car Rental Discount

Eligible for discounted car rental rates with AVIS worldwide — the premium car hire partner for Platinum Mastercard holders.

MyUs Premium Membership

Get a premium MyUs membership with shipping discounts — shop from US retailers and have packages delivered to Nigeria at great rates.

Lounge Access

Free at home. Discounted everywhere else.

Present your physical Platinum Mastercard for complimentary access at the local lounges below. Everywhere else, register the card on Mastercard TravelPass.

Bi-Courtney Lounge — Murtala Muhammed Airport Terminal 2 (MMA2), Lagos.

Gabfol Lounge — Lagos and Abuja International Airports, and MMA1, Lagos.

Lounge One and Airspace Lounge — Abuja Domestic Airport.

VIP Lounge — Asaba.

600+ lounges worldwide at a discounted $32.00

Access over 600 airport lounges, locally and internationally, at a discounted rate of $32.00. Download Mastercard TravelPass and register with the card to get started.

Requirements

What you need to get started

Individual current or savings account with ProvidusUnity Bank. You can link the Platinum Mastercard to either or both account types.

Valid identification — International passport, driver's licence, or voter's card.

Completed application form — available online or at any ProvidusUnity Bank branch nationwide.

For Domiciliary variants (USD/GBP) — you must hold an active Domiciliary account in the respective currency.

Fees & Limits

Three currencies. Three fee schedules.

Below are the card features, associated fees, and transaction limits for each Platinum Mastercard variant.

The Platinum NGN Mastercard is a Naira-denominated card linked to a Naira Current, Savings or Corporate Account. It enables both local and international transactions, with an international spend limit of up to USD 3,000 per month per cardholder.