Borrowing on a card in Ghana
Three Ghanaian banks publish a credit card interest rate
In September 2026 we read the tariff guide of every Ghanaian bank we could reach. These are the credit cards they price, in each bank’s own words, with the date of the guide it comes from. Where a bank prices the card but states no interest rate, the table says so.
Absa Bank Ghana
Tariff Guide (September 2026) · dated September 2026
Tariff Guide - Premier banking (September 2026) · dated September 2026
Credit Card Classic
- Interest rate
- 43%
- Annual fee
- GHS100.00
- Late payment
- 10% /GHS20.00 whichever is higher
- Cash withdrawal
- 5%
- Foreign transactions
- 7%
Credit Card Platinum
- Interest rate
- 40%
- Annual fee
- GHS150.00
- Late payment
- 10% /GHS20.00 whichever is higher
- Cash withdrawal
- 5%
- Foreign transactions
- 7%
Credit Card Platinum (Premier guide)
- Interest rate
- 48%
- Annual fee
- GHS150.00
- Late payment
- 10% /GHS20.00 whichever is higher
- Cash withdrawal
- 5.0%
- Foreign transactions
- 7%
Absa’s retail and Premier tariff guides, both dated September 2026, give the Platinum card different interest rates. Neither guide explains the difference.
Guaranty Trust Bank (Ghana)
GTBank Tariff Guide (25 March 2026) · dated 25 March 2026
Credit card
- Interest rate
- Not published
- Cash withdrawal
- $3
Republic Bank (Ghana)
Tariff Guide V2.0 (current update March 2026) · dated March 2026
Visa Credit Adeshie
- Interest rate
- 3.75% per month
Working: 3.75% a month is 45.0% a year simple, about 55.5% compounded monthly.
- Annual fee
- GHS 150.00 Annual Fees
- Issuance fee
- GHS 100.00 Issuance fees
- Late payment
- 10% of overdue amount or GHS 50.00 whichever is higher
- Cash withdrawal
- 3% of amount + GHS 15.00/Min GHS 15.00
- Over the limit
- 5% of amount in excess/Min GHS 100.00 per billing cycle
- Foreign transactions
- 5.5% of amount
Visa Credit Business
- Interest rate
- 3.75% per month
Working: 3.75% a month is 45.0% a year simple, about 55.5% compounded monthly.
- Annual fee
- GHS 200.00 Annual Fees
- Issuance fee
- GHS 200.00 Issuance fees
- Late payment
- 10% of overdue amount or GHS 50.00 whichever is higher
- Cash withdrawal
- 3% of amount + GHS 15.00/Min GHS 15.00
- Over the limit
- 5% of amount in excess/Min GHS 100.00 per billing cycle
- Foreign transactions
- 5.5% of amount
Visa Credit Classic
- Interest rate
- 3.75% per month
Working: 3.75% a month is 45.0% a year simple, about 55.5% compounded monthly.
- Annual fee
- GHS 150.00 Annual Fees
- Issuance fee
- GHS 100.00 Issuance fees
- Late payment
- 10% of overdue amount or GHS 50.00 whichever is higher
- Cash withdrawal
- 3% of amount + GHS 15.00/Min GHS 15.00
- Over the limit
- 5% of amount in excess/Min GHS 100.00 per billing cycle
- Foreign transactions
- 5.5% of amount
Visa Credit Infinite
- Interest rate
- 3.75% per month
Working: 3.75% a month is 45.0% a year simple, about 55.5% compounded monthly.
- Annual fee
- GHS 400.00 Annual Fees
- Issuance fee
- GHS 200.00 Issuance fees
- Late payment
- 10% of overdue amount or GHS 50.00 whichever is higher
- Cash withdrawal
- 3% of amount + GHS 15.00/Min GHS 15.00
- Over the limit
- 5% of amount in excess/Min GHS 100.00 per billing cycle
- Foreign transactions
- 5.5% of amount
Stanbic Bank Ghana
Credit card (Gold, Signature, Infinite)
- Interest rate
- Not published
- Monthly fee
- 0.084% (minimum GHS 8.50)
- Issuance fee
- Free
- Late payment
- 60 (GHS)
- Cash withdrawal
- 1.00% (minimum GHS 6.00)
- Over the limit
- 60 (GHS)
- Foreign transactions
- 7.5%
Zenith Bank (Ghana)
2026 Tariff Guide (July 2026 update) · dated 21 July 2026
MasterCard Platinum Credit Card
- Interest rate
- Not published
- Annual fee
- GH₵ 100.00 Upfront/Annual
- Issuance fee
- GH₵ 40.00
- Late payment
- 5%
- Over the limit
- GH₵ 200.00
Visa Credit Card
- Interest rate
- POS - 42.5%ATM - 52.5%
- Annual fee
- GH₵ 100.00 upfront/annual
- Issuance fee
- GH₵ 40.00
- Late payment
- 5%
- Over the limit
- GH₵ 200.00
- Foreign transactions
- 7.5%
Reading these rates
An annual rate and a monthly rate are not the same thing. A card charging a rate each month costs more over a year than the monthly figure times twelve, because interest is charged on interest. Where a bank publishes a monthly rate, the annual equivalent is worked out beneath it and marked as working.
None of these figures includes the charges a card collects in use: fees for cash withdrawals, for paying abroad or for going over the limit. They are listed separately for each card because they can cost more than the interest.
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About this data
Free to quote · no permission needed
- Source
- the banks' own tariff guides
- Covering
- the tariff guides of the Ghanaian banks we could reach, read September 2026
- Last checked
- September 2026
- Method
- Each charge is copied from the bank's tariff guide in its own words, with the guide's title and date. A monthly rate is shown as published, with its annual equivalent as labelled working. A card priced without an interest rate is marked 'Not published'.
Cite this
Ghanaian credit card rates and fees, the tariff guides of the Ghanaian banks we could reach, read September 2026. Compiled by Cedafin from the banks' own tariff guides. https://cedafin.com/credit-cards (accessed 16 October 2026).
Use any of this without asking. No permission needed, no credit required — the line above is offered because a formatted citation is easier than composing one, not because we ask for it.