Allawee, a leading digital lending fintech in Nigeria and Mastercard have partnered to introduce an innovative credit-building card targeting federal civil servants and National Youth Service Corps (NYSC) members nationwide.
This product was designed to provide instant access to credit, promoting financial flexibility for over 720,000 potential users through the Allawee app with the card issued in partnership with Providus Bank and facilitated by Remita, the payment technology companies say.

The alliance aims to bridge that gap and support the Nigerian government’s goal of increasing credit availability to 50% of working Nigerians by 2030. Users can download the Allawee app, apply for the credit card, receive approval instantly, and start transacting immediately, they says on the card offering flexible usage across POS terminals, ATMs, and online platforms.
Allawee credit card ‘addresses this critical gap in Nigeria’
The alliance aims to bridge that gap and support the Nigerian government’s goal of increasing credit availability to 50% of working Nigerians by 2030. Users can download the Allawee app, apply for the credit card, receive approval instantly, and start transacting immediately, they says on the card offering flexible usage across POS terminals, ATMs, and online platforms.

The National Bureau of Statistics reports that a staggering 70% of bank account holders do not have access to any form of credit. This lack of financial inclusion hampers economic growth and limits opportunities for individuals to manage their finances effectively.
According to the promoters, the Allawee credit card addresses this critical gap by providing a secure platform for users to build their creditworthiness while accessing funds. In a market largely dominated by debit and prepaid cards, Allawee hopes that the initiative will encourage “responsible credit usage and empowers users with tools for effective financial management.”
The Allawee credit card offers several key features like the one that enables users apply for a loan via the Allawee app, and receive immediate approval. Once approved, funds are disbursed directly onto a co-branded Mastercard. Also, the card can be used at millions of retail locations in Nigeria and globally, both online and in-store.
Allawee says that the flexibility promotes greater financial freedom for users. Users can choose their credit limits up to ₦1,000,000, allowing them to tailor their borrowing according to their needs. The card offers flexible repayment plans, enabling users to repay their loans in installments over four months. The application process is fast, secure, and fully digital, making it accessible for all eligible users.

According to Folasade Femi-Lawal, Country Manager and Area Business Head for West Africa at Mastercard, “we are thrilled to collaborate with Allawee on this innovative credit solution. It aligns perfectly with Mastercard’s commitment to bring one billion people into the digital economy by 2025.” She adds that the Allawee credit card not only provides instant access to funds but also empowers users to build their credit profiles.
Ikenna Enenwali, CEO of Allawee, explains that the initiative addresses everyday financial needs saying “we launched this card to help Nigerians gain access to instant, affordable credit while building their credit history. Whether it’s handling daily purchases or taking care of life’s emergencies, our customers now have an easy way to cover expenses.”
The introduction of the Allawee credit-building card marks a significant step toward improving financial inclusion in Nigeria. By offering instant access to credit tailored specifically for federal civil servants and NYSC members, this collaboration between Allawee and Mastercard aims to empower underserved populations and drive economic growth.