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Loystar uRewards® Card

Earn 5% Cashback on Every Purchase.

With no annual fee. Check if you’re pre-approved with no risk to your credit score.


Smart Shopping Rewards: Cash Back on Everything, Every Time!

5% Cashback

each time you exceed NGN10,000




2% Cashback

on our curated fashion picks




1% Cashback

on all accessories you add to your cart





CredPal® Loystar uRewards® Card

Start earning cash back on your purchases from day one upon approval.

Check your eligibility

Zero impact on your credit score.

Refer to the Terms & Conditions below. By clicking “Apply now,” you acknowledge
and agree to CredPal’s Privacy Policy and Terms of Use.

Introductory Offer

Earn 5% cash back for the first 12 months when you
use CredPal Pay – the quick and secure way to pay with
your phone.


Get the most from your rewards


Cash Reward

Apply rewards as a
credit on your statement
for added savings

Discounts On Partner Services

Unlock special discounts
or offers from our
partner brands and

Purchase Power

Redeem rewards
instantly during

Flexible Redemption Options

Tailor your redemption to
suit your preferences
and lifestyle.

Redeem For Merchandise

Choose from a variety of
products available.

Exclusive Events

Gain access to
members-only events
and experiences as a
token of appreciation

Enhanced Travel

Enjoy exclusive travel
perks, upgrades, and
access to airport

Special Promotions

Take advantage of
limited-time promotions
and bonus reward


Discover Our Cardholder Perks



Security Alerts

Receive instant notifications via text, email, and phone for potential account irregularities.


Zero Fraud Liability

Enjoy peace of mind—no responsibility for unauthorized charges if your card is lost or stolen

CredPal Mobile App

Conveniently manage your account, pay bills, view balances, and track transactions on the go.


Card Lock

Easily secure your card with a simple tap in case of misplacement, loss, or theft.



Prefer an exclusive rewards credit card for purchases?


Secure the Loystar uRewards Card for exclusive benefits, including 5% cash back for the first 12 months using CredPal Pay.


Apply via CredPal. Refer to the Loystar uRewards Card Terms and Conditions below.
By clicking “Apply now,” you agree to CredPal’s Privacy Policy and Terms of Use.