O3Cards

3.2
174 reviews
50K+
Downloads
Content rating
Everyone
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About this app

O3 Capital is Nigeria’s first non-bank based credit card issuing company, offering customers convenient payment cards and loan platform.
We have developed our product to cater to the fast growing credit card market and seek to cultivate the culture of credit card usage in Nigeria.

With the O3 Card App you can:

Apply for your credit card.
- Do you need a personal credit card or a business credit card?
- Choose between the three available cards: Classic, Platinum and
Prestige.
- Apply for a prepaid card or the O3 gift card.

Manage your cards
- Upgrade your card.
- Increase your spending limits.

Get quick loans
- Your loan amount.
- Payment tenure in months
- Account to fund.

Make Transfers
- Make transfers from the O3 Card App to your credit card or bank.
Simple and Fast.


Pay Bills
- Pay merchants.
- Pay your bills within the O3 Card App; Electricity, Airtime, DSTV, Toll
Bills, Internet services.

Choose between our three credit card selections

CLASSIC CARD:
First Job? Newly married and just want to go easy? How about the CLASSIC credit
card
➔No fees.
➔Minimum limit of 100,000NGN.
➔Maximum limit of 500,000NGN
➔0.13% daily interest on what you spend.
➔Free supplementary cards.
➔Transfer or receive money to/from any bank.

PLATINUM CARD:
So you’ve moved up in your career and are looking to upgrade. A professional in your field, Parents with kids in school? Our Platinum card…

➔Minimum limit of 100,000NGN.
➔Maximum limit of 1,500,000NGN.
➔0.13% daily interest on what you spend.
➔Opt for either a virtual or physical card.
➔Supplementary cards.
➔Transfer or receive money to/from any bank.

PRESTIGE CARD:
Personal use or Business use? Professional or Executive? Join the O3 World with our Prestige credit card.

➔Minimum limit of 100,000NGN.
➔Maximum limit of 2,500,000NGN.
➔0.13% daily interest on what you spend.
➔Earn cashback on POS and web spend.
➔No minimum spend, no spend exclusions.

Whatever your financial preferences are, you are sure to find the perfect credit card for you, because there’s an O3 Card for everyone.

What are the benefits of having an O3 Card in your wallet and making payments with
it?

- You get to earn cashback on POS and web spend. No minimum spend
or spend exclusions.
- Get discounts and special deals when you use your card at your
favourite cinema spots and eateries (O3 Classic cards)
- Shop online, get amazing deals and discounts.
- Get discounts and special deals when you use your card at hotels, spas
and restaurants (O3 Platinum cards).
- Free access to VIP airport business lounges (O3 Prestige cards).
- Emergency card replacement in case of loss or theft.

Need any help?
- Our customer support team is available 24/7 via email, Facebook,
Instagram, and the app. You can always contact us for help if you need
set up assistance,

Make financial freedom a lifestyle with O3 Cards today and Live your best life!
Updated on
Aug 4, 2021

Data safety

Developers can show information here about how their app collects and uses your data. Learn more about data safety
No information available
3.2
174 reviews
Immaculate Glow
September 26, 2021
If you would spend a fortune on marketing and advertising, it should be expected that you had a functioning platform. Your forms do not have adequate feedback and your requirements are a little too much. 3 ID cards identifying one person is a little too much if you want to make a break in the market. Also, requesting a statement of account would only serve to cut you off from the popular market. Please stop wasting your ad money and fix the app first. You get traction naturally, if the app works
80 people found this review helpful
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Samuel Abogunrin
September 6, 2021
I would have love to give this app 5 star but not yet, because it not understanding. I fill all the entries and even .y bank statement, work card and my government i.d( ninc card) some it accepted immediately but some did not, still putting dash!! I don't think this app can help someone in term of loan or credit facility as they said ooooo
53 people found this review helpful
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Hammed Olayinka
April 8, 2022
I don't know what's wrong with the app, I can't completely update my information, I was giving 1000 registration fee and I even added 200 to be sure if the app is working, but everything prove abortive I can't withdraw the money u gave me my own 200 I can't use it, so annoying
21 people found this review helpful
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What's new

Updates and bug fixes