GTCrea8 MasterCard is a variant of the Naira MasterCard issued to students of tertiary institutions to give them 24/7 access to their GTCrea8 accounts in Nigeria and/or Abroad via ATMs, POS & Online.

Features and Benefits

Acceptance for Payment:

  • Can be used to pay for goods and services via POS terminals in Nigeria
  • Buy new and used books online from
  • Pay for food, groceries at supermarkets, shopping malls, convenience stores or when ordering online.
  • Shop for clothes, accessories, gadgets and other items at affordable websites such as and

Living Allowances/Pocket Money:

  • Having a GTCrea8 card simplifies the process of receiving pocket money from parents, guardians or relatives who may be living far away from you. All they have to do is pay naira into their accounts and with their card, and you can access your funds via ATMs in Nigeria and Abroad.


  • Employs the use of Chip and PIN technology to guard against unauthorized transactions. The card also uses Card Secure, which is an additional secure verification feature for web (online) transactions. Please visit for a guide on how to register for this service.

The card is valid for 3 years.


  • Automatically issued to GTCrea8 account holders after account opening.

Transaction Limit

  • Local ATM daily withdrawals: N100,000
  • Local POS & Online daily transactions: N500,000
  • ATM daily withdrawal Abroad: $300
  • International ATM, POS & Online monthly transactions: $3,000


Please note that a charge of N1,200 applies for every cash withdrawal on ATMs abroad while POS and online transactions are free.