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.

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.