Thursday, June 14, 2012

THE VALUE-ADDING WORLD OF DIAMOND VISA CREDIT CARDS


Three lucky Nigerians and their partners are on their way to London on an all –expense paid trip to the London 2012 Summer Olympics by just using their Diamond Bank Credit Card. The promo, which ran from February 9 to April 30 2012, was open to Diamond Visa credit card holders who activated and used their cards within the promo period. This is one of the several benefits that customers enjoy by using the Diamond Bank Visa credit card. Available in three variants -classic, gold and platinum -the card is the first naira denominated credit card in the Nigerian market. With naira denomination cardholders have the privilege of making repayments on their cards in naira hence saving them the trouble of sourcing for foreign exchange.

The award-winning credit card is specifically designed to complement the lifestyle of card holders and Diamond Bank has a bouquet of credit card offerings catering to different individual lifestyles. These offerings include:

·         The Standard Card, which is available in classic, gold and platinum variants, is issued based on the cardholder’s income level.
 
·         The Xclusive card, available in gold and platinum variants, is specifically designed for Diamond Xclusive account holders. (The Diamond Xclusive account is designed for the affluent market segment).
 
 
·         The Diamond Card, which is encrusted with a real diamond, is only available in platinum variant. It caters specifically to Diamond Privilege account holders and comes with a N5m credit limit.
 
·         The Diamond Corporate Charge card is for companies who wish to provide funds for their staff when they travel on official trips. It comes with a N100m credit limit.
 
 
·         The Diamond SavingsXtra card is designed specifically for Diamond SavingsXtra account holders. It allows customers build up savings in their account in a bid to win in the Salary-for-life scheme while they spend money on their credit cards.
 
·         The Park & Shop Card is designed for existing or prospective Park & Shop/Spar customers and it allows customers to earn gem points for goods purchased at any Park & Shop/Spar outlets. 

Furthermore, customers can enjoy a 45 days interest-free period on purchases made with the card while Gem points earned from using the cards can be redeemed for up to 15% discount on Qatar Airways flights booked at www.qatarairways.com/diamondbank. Also, Gold and Platinum card holders can enjoy up to 75% discounts in over 50,000 hotels worldwide for hotel bookings made at www.hotelclub.com, and also have access to some of the finest golf courses around the world.

In view of its various unique offerings the Diamond Visa credit card was voted the Best Credit Card in Nigeria at the 2011 Card, ATM and Mobile Expo and was also nominated in the same category for this year’s edition of the awards scheduled to hold between 12-14 June. The award seeks to showcase innovations in cards and ePayment offerings in the African continent.

The Diamond Visa credit card comes with a dual protection function that offers a chip and PIN based security feature which guarantees cardholders maximum security. The Diamond Visa Credit Card was the first Nigerian card to be compliant with the Payment Card Industry Data Security Standard (PCI DSS) which is the highest level of cards payment compliance worldwide.

To benefit from the robust offerings of the Diamond Visa credit cards, kindly visit the nearest Diamond Bank branch.

DIAMOND ONLINE: SENDING MONEY IN AN INSTANT! (INTERNET BANKING) FUNDS TRANSFER SERVICES FROM DIAMOND BANK


Diamond Online Funds Transfer Service is a payment/transfer service that conveniently and speedily allows you make funds/money transfers to a beneficiary anywhere in the world. The following types of transfer services are available to customers:

Foreign Currency Funds Transfer: This is a quick, efficient and secure means of transferring funds locally or internationally. The service allows you transfer funds from your foreign currency account (USD, GBP & EURO) to any foreign currency account both in Nigeria and Overseas. Your beneficiary can receive the fund within 48hours.

Benefits of this service include:

·         Convenience – Initiate and complete a transfer with ease from anywhere in the world.
·         Cost effective and timely – there is no need to visit the branch. You can now do it yourself!
·         Security of Transaction – the use of token guarantees you security from unauthorized access, thefts and fraud on all your FCY Transfers
·         Instant Notification – get instant confirmation for every transaction

To enjoy this service via our internet banking platform (Diamond Online) please follow the steps below:
  •  Subscribe to our internet banking service if you are an existing account holder or open a new account to subscribe to the internet banking service to obtain your “log in “ details
  • Log on to Diamond Online via www.diamondbank.com
  • Choose your log in option.
  • Input your log in details as required.
  • Under “Transfer funds”, select  “International Funds Transfer “
  • Input your Internet Banking ID and 6 digit PIN generated from your Token
  • Select source account number and input appropriate details on the International Funds Transfer page
  • Follow the steps to completion.
  • A receipt will be automatically generated upon every successful payment and you will receive an instant notification by email.

      * A daily transfer limit of $10,000 or its equivalent in other currencies applies.

Funds Transfer to other Banks: This is a quick, efficient and secure means of transferring funds to other bank accounts within Nigeria. Beneficiary account can either get value instantly or within 24hours depending on the sender’s choice.

Money Transfer to Walk-in-Customers: This is a quick and secure means of sending money domestically to people, friends or relatives who do not have account in Diamond Bank. Beneficiaries can walk into any Diamond Bank branch, present the transfer details (Money Transfer Code) and get paid instantly. Maximum Transfer Limit is N150, 000.00 per transaction.

Third Party Funds Transfer: This is a quick, secure and convenient means of transferring funds to other account holders /third party accounts within Diamond Bank. 

Funds Transfer to own accounts: This is a quick means of transferring funds between accounts of the same customer.

Customers Funds Transfer and other transactions on our internet banking service (Diamond Online) are further secured with the use of “One –Time-Password obtained from a secured Token Device issued to customers at subscription stage. This token device can be either a Hardware Token (a portable physical device) or a Software Token (this comes as an application which is downloaded on your smart phones).


DIAMOND BANK: GROWING THE ECONOMY BY SUPPORTING SMALL BUSINESSES

The underperformance of Micro, Small and Medium Enterprises (MSME) in Nigeria is often attributed to lack of access to finance, inadequate business management skills on the part of the business owners and near absence of MSME banking skills; and insufficient MSME-specific products and services on the part of the banks.

Diamond Bank’s commitment to grow MSMEs is borne out of the understanding that these businesses are the engine room for growth in any economy. It is against this backdrop that the bank, through its MSME Proposition, partners with entrepreneurs with the sole aim of growing their businesses. Till date, over N30billion has been advanced as loans to about 17,000 MSMEs across the country who operate the Bank’s special account for MSMEs – the Diamond BusinessXpress account 

The bank also helps build capacity in this segment through its partnership with the Enterprise Development Centre of the Pan African University to teach budding entrepreneurs various skills for running profitable businesses under the Building Entrepreneurs Today (BET) programme.

In addition, Diamond bank hosts various events nationwide on a monthly basis in support of entrepreneurs. These events include the Diamond BusinessXpress Seminar, where entrepreneurs come to learn new ways of running successful businesses; the Diamond Business Clinic, where they get a one-on-one chance to meet with Consultants in various fields; and the Diamond BusinessXpress Club which affords entrepreneurs the opportunity to network and exchange business ideas.

Access to the Bank’s MSME proposition (through the operation of a Diamond BusinessXpress account) also grants customers a chance to enjoy a number of other benefits. These include the Mediloan for healthcare businesses, personal credit cards for businesses, and entrepreneurial guides at discounted prices and easy access to business loans amongst a host of other perks.

The Diamond Business Xpress account is segmented into three variants catering to all MSMEs’. These variants are: Starter –for businesses that have a maximum monthly turnover of N4million, Growing –for businesses with a maximum monthly turnover of N12million; and Established –for businesses with a monthly turnover of N40million.

 To be eligible for a loan from this bank on this platform, Diamond Business Xpress Account holder must have a registered business which must have been operated for at least one year, run their Diamond BusinessXpress account for a minimum of 3 months and have a business premises that the bank can visit.

To know more about the Diamond BusinessXpress account, please call Chima on 08029707864 or Adaeze on 08023051914.