Just Gadgets
Buy affordable gadgets from the comfort of your favourite app.
Virtual Dollar Card
Shop online, pay for services, or make international purchases.
Sell Gift Cards
Exchange unused gift cards for cash at amazing rates.
Bill Payment
Buy airtime, data, and pay utilities in 100+ countries.
Buy Gift Cards
Buy over 14,000+ local and international gift cards.
Virtual Bank Account
Open a Naira bank account for easy transactions.
Universal eSIM
Buy local and international eSIM with local payment methods.
Developer API
Integrate gift card services into your platform.
Blog
Get the latest news, articles, and updates from Cardtonic.
Rate Calculator
Check how much you get for your gift cards.
Upskill
MacBooks giveaway contest for tech enthusiasts.
#CTGivesBack
Learn about our community give-back initiatives.
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Use our Virtual Visa and Mastercard to shop online, pay for services, or make international purchases.
Paying for international services in Nigeria often requires a dollar card. While some platforms support naira debit cards, many global services still charge in dollars.
Cardtonic gives you instant access to a reliable USD card built for online, international, and contactless payments. You can shop, subscribe to global services, and pay internationally without relying on a physical debit card or opening a domiciliary bank account.
Cardtonic's dollar card offers an easy way to handle all your international payments. Here are some benefits of using it for foreign transactions:
Shop online, make international purchases, and enjoy contactless payments on platforms and locations that accept Visa or Mastercards.
You don’t need a separate dollar account. Fund your card easily with Naira from your Cardtonic wallet.
Access your virtual card details anytime in the app, so you can make international payments whenever you need to.
Make purchases worldwide with clear currency conversion fees and no hidden charges.
Best for everyday online and international payments.
Built for users who want more flexibility and contactless payments.
With the Cardtonic virtual USD card, you can make payments globally: both online and, with the Platinum card, in physical locations that support contactless payments. Use it for subscriptions, airline payments, and online services such as Twitter Blue, Grammarly, AliExpress, and ChatGPT Plus. It also works for entertainment and creative platforms, including Amazon Prime, YouTube Premium, Adobe Creative Cloud & Canva Pro, and more.
Fr the best virtual dollar card in Nigeria. The app is easy to navigate, and it works for Twitter verification.
Play Store
Since I found Cardtonic, paying for my Google Ads has been easy. No random transaction declines. Just what I needed!
App Store
I love how straightforward the process is. Funding my card takes less than a minute. It's made my life so much easier.
App Store
Never had a failed transaction with the dollar card. It's easy to use, I highly recommend!
App Store
They have the best exchange rates and transactions are super smooth. No delays, no hidden fees.
Trustpilot
I had a small issue with funding my card, and their support team responded within minutes and sorted it out in less than 30 minutes! Honestly, this level of customer service is rare. Definitely sticking with Cardtonic!
Play Store
Fr the best virtual dollar card in Nigeria. The app is easy to navigate, and it works for Twitter verification.
Play Store
Since I found Cardtonic, paying for my Google Ads has been easy. No random transaction declines. Just what I needed!
App Store
I love how straightforward the process is. Funding my card takes less than a minute. It's made my life so much easier.
App Store
Never had a failed transaction with the dollar card. It's easy to use, I highly recommend!
App Store
They have the best exchange rates and transactions are super smooth. No delays, no hidden fees.
Trustpilot
I had a small issue with funding my card, and their support team responded within minutes and sorted it out in less than 30 minutes! Honestly, this level of customer service is rare. Definitely sticking with Cardtonic!
Play Store
Fr the best virtual dollar card in Nigeria. The app is easy to navigate, and it works for Twitter verification.
Play Store
Since I found Cardtonic, paying for my Google Ads has been easy. No random transaction declines. Just what I needed!
App Store
I love how straightforward the process is. Funding my card takes less than a minute. It's made my life so much easier.
App Store
Never had a failed transaction with the dollar card. It's easy to use, I highly recommend!
App Store
They have the best exchange rates and transactions are super smooth. No delays, no hidden fees.
Trustpilot
I had a small issue with funding my card, and their support team responded within minutes and sorted it out in less than 30 minutes! Honestly, this level of customer service is rare. Definitely sticking with Cardtonic!
Play Store
Download the Cardtonic app, sign up, and complete the KYC process. Once your account is verified, you can create a virtual USD card directly in the app and start using it for online payments.
Yes. The card is protected with built-in security features, and your details are stored safely within the app. You also have full control over how the card is used.
Our fees are limited and one of the lowest in the market. You can save on currency conversion fees when using the virtual card, making it cost-effective for international transactions.
No. The card is a standalone card that can be used independently of your existing bank account for international transactions.
Cardtonic cards are issued as dollar cards and are funded with naira. However, with the Platinum virtual card, you can make payments in USD or the local currency of where you're paying, depending on the merchant
No, you don't need a domiciliary account. You can easily fund your card using your Naira wallet on Cardtonic.
You can fund your card with up to $5,000 in a single transaction. There is no daily limit, which means you can add money to your card multiple times in one day, as long as each top-up does not exceed $5,000.
You can contact our dedicated customer support team if you need assistance. We are always available to help you with any questions, concerns, or issues.
Cardtonic offers two virtual card options. The regular card has a one-time $1.5 issuance fee, while the Platinum card has a one-time $5 issuance fee. Both options come with no maintenance fee, so you're not charged for keeping the card active after creation.
Yes. The card can be used for airline payments and other international services, as long as the platform accepts a Visa or Mastercard.
Yes. Like other virtual cards, it has an expiry date, which you can view directly in the app.
You can use the Platinum virtual card for contactless payments by adding it to Apple Pay or Google Pay. Once added, you can make payments by tapping your device on supported payment terminals for in-store purchases, as well as complete online payments where contactless options are available.
Open Apple Pay or Google Pay on your device and add the card manually using your Platinum card details. Complete the verification using the activation code sent to the email linked to your Cardtonic account. Once added, you can make contactless payments in supported locations.
Yes. You can choose to create either card or have both, depending on your payment needs.