FinanceHero / Ghana / Credit Cards
Compare annual fees, borrowing rates and repayment requirements.
Consumer credit cards
| Card | Account / card fee | Borrowing rate | Interest-free period | Minimum payment | Cash / FX fees | Eligibility | Key caveat |
|---|---|---|---|---|---|---|---|
Absa Bank GhanaClassic Credit Card | Annual: GHS 100Issuance: GHS 0 | 43% per year | Up to 55 days on purchases if paid in full by due date. | 5% of amount spent, monthly; statement controls. | Cash: Cash advance fee: 5%. Interest also applies from transaction date. FX: 7% currency-conversion charge. | Published minimum income GHS 1,000; income period and account-history route should be confirmed. | Purchase interest-free period requires full payment by due date; cash advances accrue interest immediately. Numeric late-charge basis not verified.Insurance: Not availableLate fee: Not verified |
Absa Bank GhanaPlatinum Credit Card | Annual: GHS 150Issuance: GHS 0 | 40% per year | Up to 55 days on purchases if paid in full by due date. | 5% of amount spent, monthly; statement controls. | Cash: Cash advance fee: 5%. Interest also applies from transaction date. FX: 7% currency-conversion charge. | Published minimum income GHS 5,000; income period and account-history route should be confirmed. | Purchase interest-free period requires full payment by due date; cash advances accrue interest immediately. Numeric late-charge basis not verified.Insurance: Not availableLate fee: Not verified |
Stanbic Bank GhanaGold Visa Credit Card (GHS) | Monthly: 0.084% of credit limit, minimum GHS 8.50.Issuance: GHS 0 | Variable: Ghana Reference Rate plus individually agreed risk margin. | Conditional purchase interest-free treatment if offered and paid in full; number of days not verified. | Not available | Cash: Own ATM: 0.5%, minimum GHS 3; foreign ATM: 3%, minimum GHS 12. Other local ATM fee not verified. FX: 7.5% FX charge. | 18 or older; Executive Banking account and credit approval. | GHS credit variant only. Monthly fee depends on credit limit; borrowing rate is individually agreed. Cash and insurance costs are additional.Insurance: Not verifiedLate fee: GHS 60. |
Stanbic Bank GhanaSignature Visa Credit Card (GHS) | Monthly: 0.084% of credit limit, minimum GHS 8.50.Issuance: GHS 0 | Variable: Ghana Reference Rate plus individually agreed risk margin. | Conditional purchase interest-free treatment if offered and paid in full; number of days not verified. | Not available | Cash: Own ATM: 0.5%, minimum GHS 3; other local ATM: 1%, minimum GHS 6; foreign ATM: 3%, minimum GHS 12. FX: 7.5% FX charge. | 18 or older; Private Banking account and credit approval. | GHS credit variant only. Monthly fee depends on credit limit; borrowing rate is individually agreed. Cash and insurance costs are additional.Insurance: Not verifiedLate fee: GHS 60. |
Stanbic Bank GhanaInfinite Visa Credit Card (GHS) | Monthly: 0.084% of credit limit, minimum GHS 8.50.Issuance: GHS 0 | Variable: Ghana Reference Rate plus individually agreed risk margin. | Conditional purchase interest-free treatment if offered and paid in full; number of days not verified. | Not available | Cash: Own ATM: 0.5%, minimum GHS 3; other local ATM: 1%, minimum GHS 6; foreign ATM: 3%, minimum GHS 12. FX: 7.5% FX charge. | 18 or older; Wealth and Investment account and credit approval. | GHS credit variant only. Monthly fee depends on credit limit; borrowing rate is individually agreed. Cash and insurance costs are additional.Insurance: Not verifiedLate fee: GHS 60. |
Checked: 7 Oct 2026 · Sources: absa.com.gh · stanbicbank.com.gh
Fees may exclude statutory charges.