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!