03 Gift Card

03 Gift Card

The O3 Gift Card is a NAIRA-denominated card that can be used locally for cash withdrawals or for payment of goods and services.

Our Gift cards are compatible with all ATM, POS and internet payment sites in Nigeria. You’ll be able to withdraw cash from any ATM, shop online and make purchases in a variety of outlets like restaurants, bars, fuel stations, supermarkets, and malls.


  • Easy access to CREDIT Easy access to credit cards with limits ranging from ₦100,000 to ₦1,500,000.
  • No security deposit or collateral required. O3 Cards gives you access to credit without having to make any equity contribution or pledge any property as collateral.
  • Revolving line of credit With O3 Credit Card, your credit line is constantly available 24/7. Just pay down your outstanding balance and your full balance is available for use again without requiring any new approval.
  • No Bank Restrictions You can operate any Bank Account in Nigeria and still have access to an O3 Credit Card.
  • Access to Discounts and great deals We are in partnership with various merchants all over Nigeria where you can get great discounts and fantastic deals.
  • Flexible payment for goods and services All goods and services enjoyed by you and your family can be paid for in one bill at your convenience.
  • Reward Scheme Points and cash back rewards are available for purchases made with O3 cards at selected outlets.

Card Features

  • Naira-Denominated
  • Maximum of ₦250,000 per load
  • No limit to number of cards requested for by a single applicant
  • No Bank Restrictions
  • EMV compliant to ensure online security
  • No Prior Customer Relationship Required
  • Accepted everywhere in Nigeria
  • Can also be used for online payments (Verve acceptable sites)


Joining fee N2,000
Monthly service fee
ATM Cash withdrawal fee (Per Transaction) N100
Supplementary Card issuance Fee N2,000
Card Replacement Fee N2,000
POS Interest rate 4%
Cash withdrawal interest rate 5%
Late Payment Fee NA


  • Cash advance 5%
  • POS – 4%

© 2018 O3 Capital Nigeria Limited. 18A Jerry Iriabe Street, Lekki Phase 1, Lagos, Nigeria.
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