Cardtonic: Gift & Virtual Card

Cardtonic is "the best" platform to get virtual dollar cards, buy and sell gift cards, pay bills, and buy various.
Why is it the best? Good question, let’s clarify.
Used and loved by over a million users worldwide for 5+ years, Cardtonic has always been “that platform” with the cheapest virtual dollar card fees, "that platform" that bridges the gap between individuals and businesses who need discounted gift cards or have gift cards they do not need. It’s “that platform” popularly known for giving the best gift card rates across Africa. And it's "that platform" that allow users to pay bills at discounted prices.
Do we need to say more? Okay...
With over 15,000 positive reviews across multiple channels, we can conclude that our numbers don’t lie.
Over the years, Cardtonic has evolved to one of the best apps for bill payments, gadget purchases, virtual USD cards and other digital payment solutions.
Now that you are here, let’s talk about each of Cardtonic's offerings, one after the other.
1. GET VIRTUAL USD CARD
For Africans, paying online sometimes feels stressful with card rejections and restrictions. Cardtonic gives you instant access to one of the best and cheapest virtual dollar cards in Nigeria (Visa and Mastercard). So you can pay online without limits and experience the financial freedom you deserve.
2. SELL GIFT CARDS IN NIGERIA
We provide the best gift card exchange app that gets you licking your fingers on the first attempt. Wonder why there's "tonic" in our name? It's because our safe gift card redeem app is just too sweet for individuals and businesses to redeem gift cards in Nigeria.
3. SELL GIFT CARDS IN GHANA
Cardtonic is the best app for trading gift cards for Momo in Ghana. Ghanaians with unneeded gift cards can easily convert them to Cedis.
4. PAY LOCAL AND INTERNATIONAL BILLS WITH NAIRA OR CEDIS
Bills… something we all hate but have to pay regardless. Cardtonic strives to make it less annoying by allowing you to manage and pay all your bills in one place. With Cardtonic, you can pay utility bills in 140+ countries, be it airtime, data, internet, TV, electricity and much more. How sweet is that?
5. STAY CONNECTED WITH OUR eSIMS

Our travel eSIMs ensure you remain connected whether you are in Nigeria, Ghana or anywhere else. Imagine stepping into a new country and you are ready to go just because you have the Cardtonic application?
6. BUY TECH GADGETS IN NIGERIA
Cardtonic allows you to buy gadgets like smartphones, laptops, AirPods, etc., at cheaper prices. We ensure that the gadgets are not only super affordable but also come with a warranty (T&C applies). Delivery is nationwide.
----------------------------
MORE FEATURES:
- Topup Naira wallet using a virtual bank account.
- Topup Cedis wallet using MoMo.
- Check real-time gift card prices using the in-app rate calculator.
- Earn rewards on every transaction.
- Set rate targets to get notified of changes in rates.
- Enter the leaderboard and earn massive monthly rewards.
- Access multiple gift card options.
- Activate 2FA security to avoid unauthorised access to your account.
- And many more surprises waiting for you in-app.
DO YOU HAVE A QUESTION? TALK TO A REAL PERSON
We speak your language. Our customer support is to listen to you at any time.
Now that all is said and done, are you ready to taste how sweet the tonic is?