This card is available to all Achiever Banking customers

What you should know

• Annual Fee: 1%
• Minimum Monthly Income: GHS 3,000
• Credit Limit: GHS 10,000
• Interest rate: Personalised

Key Features

• Chip- and PIN-enabled Visa Credit Card
• You can use your Credit Card at millions of merchants and ATMs worldwide – and to shop securely online.
• 3D Secure verification for safe online shopping
• Credit limit changes on request
• Automatic Lost Card Protection

What it cost

• Monthly interest rate of 3%
• Card Insurance fee of GHS 100.00
• Get up to 55 days free interest on your account if your account is paid in full.
• 10% minimum monthly repayment with Automatic Payment Option

How to get 

• Documents:
  • A nationally accepted identification card (voter’s ID, driver’s license or passport)
  • Two passport-sized photographs
  • Proof of residence in the form of a utility bill

Get affordable access to credit with a Gold card that’s packed with everyday benefits

What you should know

• Annual Fee: 1%
• Minimum Monthly Income: GHS 3,500
• Credit Limit: GHS 50,000
• Interest rate: Personalised

Key Features

• Chip- and PIN-enabled Visa Credit Card
• You can use your Credit Card at millions of merchants and ATMs worldwide – and to shop securely online.
• 3D Secure verification for safe online shopping
• Credit limit changes on request
• Automatic Lost Card Protection

What it cost

• Monthly interest rate of 3%
• Card Insurance fee of GHS 100.00
• Get up to 55 days free interest on your account if your account is paid in full.
• 10% minimum monthly repayment with Automatic Payment Option

How to get 

• Documents:
  • A nationally accepted identification card (voter’s ID, driver’s license or passport)
  • Two passport-sized photographs
  • Proof of residence in the form of a utility bill

In addition to a preferential rate, your Platinum Credit Card gets you VIP access to over 850 airport lounges.

What you need to know

• A 6-month waiting period after first salary is paid into account
• A 24-month waiting period for all contract or non-permanent staff

Benefits

• Free travel insurance cover of up to GHS300,000 for 91 days anytime you travel
• Unsecured Premier loans up to a limit of GHS280,000 for a maximum tenor of 72 months
• Access to a cash-secured overdraft of up to 90% of your holdings with us or GBP100,000
• Access to exclusive mortgage at a preferential rate, based on your income
• Credit cards up to a limit of GHS60,000
• Unsecured overdraft facilities available
• Access to Visa Platinum International debit cards
• Free Hospital cash back (double benefit if hospitalised outside Ghana)
• Free retrenchment cover* of 3 times your monthly salary up to a cap of GHS10,000
  • Claims should be reported to any Absa branch within 90 days of the retrenchment with the following:
    • National ID, and Staff ID where applicable
    • Letter of termination from the previous employer
    • Bank account statement or pay slip for the last 3 months prior to retrenchment

Our Classic Credit Card lets you pay unexpected expenses. You can now enjoy up to 55 days interest free of convenience, flexibility and peace of mind.

What you get

What required when you apply

Absa account holders (salaried customers)

• National ID card (or passport for non-Ghanaians)
• Latest payslip
• Completed application form

Absa account holders (non-salary customers)

• National ID card (or passport for non-Ghanaians)
• Completed application form

New to bank customers

• 1 month account balance
• Completed application form

Existing customers

• National ID card
• 6 months' banking relationship with Absa to qualify
• Completed application form

Our unsecured loans help you meet your personal financing requirements

Benefits

• Earn high Points through 360° Rewards programme.
• Earn points on every GHS spent
• Up to 50 days interest free
• Get up to 2 supplementary cards for free without annual charges

Features

• Supplementary Cards: Get a maximum of 5 supplementary cards on your account.
• High Credit Limits: Get limits of up to GHS100,000 per card.
• Cash Advance: Withdraw up to 30% of your credit limit when needed.
• Worldwide Recognition: Your Standard Chartered Credit Card is welcomed in more than 23 million establishments, in more than 200 countries.
• Transaction Tracking And Repayments: View transaction details and make payments for your credit card via online banking, Cash Deposit Machines and ATMs, SC mobile, via transfers and through our branches.
• Complimentary Services: Free legal multilingual interpreter and medical referral services.
• Other Support Services: Emergency cash disbursement, telephone medical advice, inoculation and visa requirement information.
• Making Repayments: Settle your credit card bill through the Internet banking or mobile banking platform, a standing instruction or by visiting any of our branches.
• Standing Instructions: You can choose a standing instruction to debit your bank account for the minimum amount due or the total amount due on your credit card.
• Fraud Alert: Will alert you of any unusual card activity giving you added security.

Eligibility & Documents

• Age Requirement:
  • Primary Cardholder: 21+yrs
  • Supplementary Cardholder: 16+yrs
• Criteria:
  • Personal: Salaried Workers and Self Employed Professional (minimum monthly net income of GHS22,500). Client can be either New to Bank or Existing to Bank
  • Priority: Asset Under Management, Self Employed Persons, Self Employed Professionals. Client must be Existing to Bank
  • Secured: All clients (minimum of GHS2,300 to be held as security). Client can be either New to Bank or Existing to Bank and should be in the Priority Segment
  • Corporate Guaranteed: Per nomination from the employer
• Documents Required
  • Existing Account Holder:

Application Form
Terms of Agreement
Proof of income (current)
Current Identity Document (where applicable)

• • New-To-Bank Salaried Client:

Application Form
Terms of Agreement
Proof of income (current)
Valid Identity Document
Statement from the previous bank

• • Secured Credit Card Applicants:

Application Forms: Duly completed
Terms of Agreement
Letter of Set-off
Authority to place lien

When your work or leisure takes you to places, you want your card to be international too

Benefits

• Earn high Points through 360° Rewards programme. Earn points on every GHS spent
• Free lounge access to 1,000+ airports world wide
• Up to 50 days interest free

Features

• High Credit Limits: Get limits of up to GHS100,000 per card.
• Transaction Tracking And Repayments: View transaction details and make payments for your credit card via online banking, Cash Deposit Machines and ATMs, SC mobile, via transfers and through our branches.
• Dedicated Website: The Infinite card comes with a dedicated website club.
• Concierge Services And Lounge Access: Download the loungeKey app to know available lounges and track your visit history.
• Cash Advance: Withdraw up to 30% of your credit limit when needed.
• Supplementary Cards: You can access up to 5 supplementary cards on your account. You are not charged annual fees on the first 2 supplementary cards.
• Worldwide Recognition: Your Standard Chartered Credit Card is welcomed in more than 23 million establishments, in more than 200 countries.
• Reservation And Information Services: Reservation and information for Air travel, hotels, international apartment, chauffeur-driven car service, airport transfer service, car hire service etc.
• Travel Insurance: Full multi-trip travel insurance for 90 days.
• Complimentary Services: Free legal multilingual interpreter and medical referral services.
• Support Services: Emergency cash disbursement, telephone medical advice, inoculation and visa requirement information.
• Information On Other Services: Package holidays information service, rail and ferry information service, travel and health advice, insurance queries and currency advice etc.
• Online Fraud Protection: Cardholders receive purchase protection and extended warranty guarantees.
• Entertainment And Leisure: International dining, golf course information service, yacht chartering and event ticketing service.

Eligibility & Documents

• Age Requirement:
  • Primary Cardholder: 21+yrs
  • Supplementary Cardholder: 16+yrs
• Criteria:
  • Personal: Salaried Workers and Self Employed Professional (minimum monthly net income of GHS22,500). Client can be either New to Bank or Existing to Bank
  • Priority: Asset Under Management, Self Employed Persons, Self Employed Professionals. Client must be Existing to Bank
  • Secured: All clients (minimum of GHS2,300 to be held as security). Client can be either New to Bank or Existing to Bank and should be in the Priority Segment
  • Corporate Guaranteed: Per nomination from the employer
• Documents Required
  • Existing Account Holder:

Application Form
Terms of Agreement
Proof of income (current)
Current Identity Document (where applicable)

• • New-To-Bank Salaried Client:

Application Form
Terms of Agreement
Proof of income (current)
Valid Identity Document
Statement from the previous bank

• • Secured Credit Card Applicants:

Application Forms: Duly completed
Terms of Agreement
Letter of Set-off
Authority to place lien

This card is available to all Business Banking customers

Explore exclusive offers, rewards and benefits simply by using your Visa card

How to get it

• Be a registered business in Ghana – enterprise, limited liability company, society/club/association, partnership or sole proprietor
• Business registration documents
• Proof of identity of directors/shareholders/owner/partners
• Proof of business address.

Take your private banking experience to the next level with the Platinum credit card

What you should know

• Annual Fee: 1%
• Minimum Monthly Income: GHS 10,000
• Credit Limit: GHS 75,000
• Interest rate: Personalised

Key Features

• Chip- and PIN-enabled Visa Credit Card
• You can use your Credit Card at millions of merchants and ATMs worldwide – and to shop securely online.
• 3D Secure verification for safe online shopping
• Credit limit changes on request
• Automatic Lost Card Protection

How to get 

• Documents:
  • A nationally accepted identification card (voter’s ID, driver’s license or passport)
  • Two passport-sized photographs
  • Proof of residence in the form of a utility bill