About Our Cards

Having an O3 Card is compared with having a pleasure box that can cater for unexpected expenses and short-term needs. It allows you to purchase products or services whenever and wherever you want, without ready cash and also to choose how much you repay at a later date. You can use our card anywhere in Nigeria at over 250,000 Point of Sales and 12,000 ATMs. The most cost effective and convenient way of using it is for retail purchases at Point of Sales – restaurants, hotels, supermarkets, hospitals,petrol stations, schools etc.

Type Primary Benefit POS Cash Advance Fee Credit level
Classic Credit Card Enjoy up to N500,000 Limit 4% 5% N500/ Month Excellent Credit
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Card details
Platinum credit Card Enjoy up to N1,000,000 Limit 4% 5% N750/ Month Excellent Credit
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Card details
Business credit Card Enjoy up to N2,000,000 Limit 4% 5% N1000/ Month Excellent Credit
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Card details
Game Credit Card Enjoy up to N1,500,000 Limit 3-4% NA N250/ Month Excellent Credit
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Card details

The cards would be available to only employees of selected companies and institutions with their salary account linked for the minimum monthly repayment via direct debit.

There is a mandatory 10% minimum monthly repayment of outstanding balance which is tied to the cardholders’ salary account. This repayment is done through the Nigerian Inter Bank Settlement Scheme [NIBSS] Direct Debit platform.

Understanding your daily usage limit

Card Type Classic Platinum Prestige Business Corporate
01 No of Cash Transactions 5 10 10 10 10
02 No of POS Transactions 10 20 20 20 20
03 ATM amount limit (₦) 100,000 200,000 400,000 200,000 200,000
04 POS amount Limit (₦) 500,000 1 million 1.5 million 1 million 1.5 million

01– Number of times you can withdraw daily from the ATM.
02– Number of transactions you can do daily on both POS and on-line.
03– The maximum you can withdraw from an ATM daily.
NOTE: This is dependent on the configuration of the ATM you are withdrawing from.
04– The maximum amount you can spend on POS daily, this includes on-line transactions.



Classic cards Platinum cards Prestige cards Business cards Corporate cards Game cards Gift cards Prepaid cards
Joining Fees ₦7,500 ₦10,000 ₦15,000 ₦15,000 ₦20,000 ₦2,000 ₦2,000 ₦2,000
Monthly Service Fees ₦500 ₦750 ₦1,000 ₦2,000 ₦2,000 ₦250
ATM Cash withdrawal fee (Per Transaction) ₦200 ₦200 ₦200 ₦200 ₦200 N/A ₦100 ₦100
Supplementary Card issuance Fee ₦5,000 ₦5,000 ₦5,000 ₦5,000 ₦5,000 ₦2,000 ₦2,000 ₦2,000
Card Replacement Fee ₦2,500 ₦2,500 ₦2,500 ₦2,500 ₦2,500 ₦2,000 ₦2,000 ₦2,000
POS Interest rate 4% 4% 4% 4% 4% 4% 4% 4%
Cash withdrawal interest rate 5% 5% 5% 5% 5% N/A 5% 5%
Late Payment Fee ₦2,000 ₦2,000 ₦2,000 ₦2,000 ₦2,000 ₦2,000 N/A N/A

How does O3 safeguard information about me?

O3 understands how important security and confidentiality are to our customers, so we use the following security techniques, which comply with or even exceed federal regulatory requirements to protect information about you:

  • We maintain physical safeguards, such as secure areas in buildings; electronic safeguards, such as passwords and encryption; and procedural safeguards, such as customer authentication procedures to protect against ID theft.
  • We restrict access to information about you to authorized employees who only obtain that information for business purposes.
  • We carefully select and monitor the outside companies we hire to perform services for us, such as mail vendors who send out our statements. We require them to keep customer information safe and secure, and we do not allow them to use or share the information for any purpose other than the job they are hired to do.
  • We train our employees on these security procedures, providing security awareness reminders and conducting regular audits to verify compliance.


Classic Credit Card

O3 Prepaid Card

N500,000 Credit Limit

  1. Accepted Nationwide
  2. No Bank Account Restrictions
  3. No Security Collateral Required

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