180 reviews
Content rating
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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
- 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

First Job? Newly married and just want to go easy? How about the CLASSIC credit
➔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.

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.

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

- 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
Feb 11, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit

Ratings and reviews

179 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
81 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
55 people found this review helpful
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David Odibo
August 8, 2021
Nice everything was so fast all verifications are fast excellent 👌 but is not useful to me 2 things international passport 🛂 just expired and no drivers license so the terms and conditions are not for me thanks good work though the developer tried
26 people found this review helpful
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O3 Mobile
August 26, 2021
Thank you for the feedback David. When any of your government approved ID cards are valid, kindly reapply for a credit or prepaid card. we will be happy to have you on board.

What's new

This version release includes bug fixes and enhancements.

App support