The O3 card combines all the benefits of a credit and debit card in one amazing all-inclusive card that allows you to do so much more.

Collateral free credit

Interbank withdrawals

POS payments anywhere

More card benefits

An ATM card that offers you a better life

Prompt and Stress-free Credit

Easy collateral-free access to credit cards with limits ranging from ₦100,000 to ₦1,500,000

No Bank Restrictions

Compatible with any bank account in Nigeria

Flexible Payment Options

Buy anything and pay at your convenience with an O3 credit card


Always Accessible

No new approvals required after outstanding payments, your credit line is constantly available 24/7

Access Discounts and Great Deals

Enjoy great discounts and fantastic deals from our numerous partners nationwide

Get rewarded for spending

Gain points and cash back rewards when you pay with your 03 card at selected outlets.

O3 Model

We are right there when life happens

O3 Capital is the first non-bank card issuer in Nigeria and aims to become the preferred credit card issuer in the long-term. The strategic thrust of the company is to issue Naira denominated cards; both credit and prepaid to the Nigerian market.


This objective correlates to that of the Central Bank of Nigeria’s Financial System strategy 2020, to create a “cashless Nigeria”. O3 Capital has developed its product to cater to the fast growing credit card market and seeks to cultivate the culture of credit card usage in Nigeria.

Experience a new level of financial freedom…
get an O3 card in 24 hours or less

Download the app

Apply on the app

Get verified

Receive your card

Stay on top of our updates

* indicates required




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