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General Terms and Conditions

FirstBank reserves the right, at its discretion, to modify, add or terminate the loyalty rewards program, or portions thereof, as well as these terms and conditions, at any time and in any manner, in whole or in part, as outlined below, even though such changes may affect the redemption value of the rewards points already accumulated or the availability of redeemable merchandise.You agree that you will review these terms periodically, and your continued use of the site means that you accept, and that you shall be bound by these terms and conditions or any modifications hereof. Any such changes shall be considered effective immediately upon posting.


a.)   Reward points may be redeemed for merchandise and/or services only available through the FirstBank loyalty website or designated partner Merchant outlets.

b.)   Reward Points do not constitute property, do not entitle a member to a vested right or interest; as such, Reward Points are not transferable or assignable for any reason.

c.)   The sale, barter, transfer or assignment of any accumulated Reward Points, other than by FirstBank, is strictly prohibited.

d.)   Reward Points may be redeemed for rewards listed on firstclub.firstbanknigeria.com or products and or services available at any of our Merchant locations; FirstBank reserves the right to change the items on FirstBank Loyalty portal from time to time without notice. All items are available while stocks last.

e.)   Loyalty Discounts are available to selected cardholders only, and applicable to redemptions made at designated merchant outlets.

f.)    Once Rewards Points have been redeemed for a reward, they are no longer valid for any subsequent redemption and they may not be returned or refunded to a member's Rewards Account for any reason.

g.)   No cash will be exchanged for the unused portion of any member’s Rewards Points.

h.)   The availability of any reward or catalog of Rewards items offered in the Loyalty Rewards Program is subject to availability and may be changed without notice at any time.

i.)    Rewards may be available only in limited quantities and will be distributed on a first-come, first-serve basis. Members should regularly consult the Loyalty Rewards Program website or designated Merchant outlets for updates about reward availability.

j.)    Points expire three (3) years from the date of acquisition; however, re-activation of points is subject to FirstBank’s Loyalty terms and conditions.

k.)   Rewards Points shall be maintained in the member's account until they are redeemed for a reward, or until they expire (three years from date of acquisition), or automatically expire upon termination of the FirstBank Loyalty Program.

l.)    Membership in the FirstBank Loyalty Rewards Program is offered at the discretion of FirstBank and it reserves the right to modify the terms, Rewards Points redemption values, benefits, reward levels, conditions of participation, rules for issuing, redeeming, retaining, using or forfeiting Rewards Points and rewards and their respective duration or timing, or any other aspect of the Loyalty Rewards Program, in whole or in part, at any time, with or without notice, even though such changes may affect the redemption value of the points already accumulated.

m.)  FirstBank will give reasonable advance notice of any modification of the terms and conditions hereof which may impact members Rewards Account.

n.)   Members understand that the most recent version of the terms and conditions will be available at the Loyalty Rewards Program website. A member's continued use of the Loyalty Rewards Program following the posting on the Loyalty Rewards Program website of conspicuous notice of any modification will indicate the member's acceptance of any modification to the terms and conditions hereof.

o.)   Any member who objects to any modification to the Loyalty Rewards Program and/or its terms and conditions may cease to participate in the Program upon written notice to FirstBank.

p.)   Any member on the Loyalty Program that falls short of the pre-defined eligibility along the way apart from not earning points, or enjoying discounts may also be yanked off the Loyalty platform.

q.)   All Rewards Points must be redeemed prior to the effective date of termination. You should not rely upon the continued availability of the Loyalty Rewards Program or any Rewards Points accumulated in connection therewith.

r.)    FirstBank may, at its sole discretion, extend the Loyalty Rewards Program beyond the set expiration date. In the event FirstBank does extend the Loyalty Rewards Program, FirstBank shall give conspicuous notice prior to the date such extension becomes effective. Members who participate in the Loyalty Rewards Program after the extension agree to be bound by the terms and conditions in effect at the time of the Loyalty Rewards Program extension.


These terms and conditions, together with those items made as a part of these terms and conditions by reference, make up the entire agreement between FirstBank and the Loyalty Rewards Program members relating to the Loyalty Rewards Program, and replaces any prior understandings or agreements (whether oral or written) regarding the Loyalty Rewards Program.