Fees associated with using a prepaid USD Visa card from Zenith Bank

One of the payments cards I use when making payments on the internet is a prepaid USD Visa card I got from Zenith bank. This one is more properly called a Zenith Buxz non-personalized prepaid card and you can get it same day you apply for it since it is readily available and no-personalized. You can easily get it by submitting an application together with some personal details like an id card and the funds in US dollars($150). Your card would be activated and ready for use after 24 hrs.

Here are the costs associated with using your card
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$20 - Annual fee
$20 - Replacement/Re-issue fee
$5 - Reload fee
$1.5 - Transaction fee

Tips to minimize your card costs
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- Make use of gift cards if you frequently shop online. This reduces your transaction fees.
- Reload in larger amounts rather than small bits. This would help reduce your reloading fee which is based on frequency.

As for the annual fee which is a fixed cost, it can be hard to minimize it but one thing you could do is make better use of it within the year by making multiple transactions which are at least profitable enough to you to offset that cost.