Cards built for serious business
Whether you're scaling locally or expanding globally, O3 has a business card designed to keep up with every transaction, trip, and opportunity.
- Revolving USD credit line up to $250,000+ per month
- Physical + Virtual card — issued same day
- Spend in local currency anywhere in the world — billed in USD or Naira
- Works at POS, ATM, and online at 80M+ merchants globally
- Pay for subscriptions, SaaS tools, and digital services internationally
- 24/7 concierge services via digital and WhatsApp support
- Global Customer Assistance Service (GCAS) — 24/7 emergency card support
- Emergency card replacement and cash disbursement worldwide
- Alternate airport services — fast track and airport spa access
- 6 complimentary airport lounge visits per year via Visa Airport Companion
- Visa Luxury Hotel Collection access for business travel
- Concierge travel planning and reservations
- Up to 12% off Agoda and 15% off IHG Hotels
- Medical expenses cover up to $750,000
- Travel accident insurance up to $500,000
- Trip cancellation cover up to $7,500
- Baggage delay cover up to $500
- Buyers protection up to $20,000
- Rental car collision damage waiver up to $5,000
- Personal liability coverage up to $500,000
- 6x O3 Rewards Points on every transaction
- Redeem for cashback, flight miles, or partner rewards
- Visa Cyber Protection Resources for your business
- Higher-tier Visa merchant discounts
- Up to 15% discount on SIXT car rentals
- BookingBash "Ultimate" pass benefits
- Revolving Naira credit line from ₦200,000 to ₦2M+
- Physical + Virtual card issued instantly
- Works in Nigeria and overseas at POS, ATM, and online
- Pay for business subscriptions and digital services
- Access to Visa Merchant Offers across partner retailers
- Access to Visa Chatbot for real-time benefit information
- 24/7 Visa Concierge Services — digital and WhatsApp support
- Global Customer Assistance Service (GCAS) for lost or stolen card reporting
- Emergency card replacement services worldwide
- Emergency cash disbursement services
- Alternate airport services — fast track and airport spa access
- Visa Airport Companion with 6 complimentary lounge visits per year
- Visa Luxury Hotel Collection access
- Concierge travel planning and reservations
- Premium travel discounts — up to 12% off Agoda and 15% off IHG Hotels
- Medical expenses cover up to $750,000
- Travel accident insurance up to $500,000
- Trip cancellation cover up to $7,500
- Baggage delay cover up to $500
- Buyers protection up to $20,000
- Rental car collision damage waiver up to $5,000
- Personal liability coverage up to $500,000
- Visa Cyber Protection Resources for your business data
- Higher-tier Visa merchant discounts on business purchases
- Up to 15% discount on SIXT car rentals
- BookingBash "Ultimate" pass benefits for corporate bookings
- 2x O3 Rewards Points on every Naira transaction
Cards built for
everyday Nigerians
Spend, pay bills, and manage your money easily with your Verve card — designed for local transactions across Nigeria.
Multiple cards for your lifestyle
Create cards for savings, daily spending, and business use.
Pay bills & recharge instantly
Buy airtime and pay bills easily across Nigeria.
Spend directly from your account
No extra wallet needed. Seamless transactions.
Secure transactions
Protected with PIN, OTP and fraud monitoring.
Built with your
security in mind
Your card is protected by industry-standard security, 3D Secure verification, and secure in-app controls — so you can spend confidently anywhere in the world.
Card Management
Secure card creation and in-app management
Create, freeze, or cancel your card instantly from the app. Full control in your hands, always.
Transaction Security
3D Secure verification on every transaction
Every purchase is verified with an extra layer of authentication to keep fraudsters out.
Global Network
Visa's trusted global payment network
Accepted in 200+ countries and territories. Spend abroad with zero worry.
Get your O3 card
in less than 5 minutes
Download the O3 app
Create your account
Fund your account
Create your card instantly
FAQs
Download the O3 app, create your account, complete KYC verification, fund your account, then navigate to Cards and create your virtual card instantly.
You can spend from your USD, EUR, GBP, or NGN balance depending on the card type. Your card automatically draws from your available balance.
No manual top-ups needed. Your O3 card spends directly from your account balance — just make sure you have sufficient funds before a transaction.
Yes. You can add your O3 card to Apple Pay or Google Pay for fast, contactless payments anywhere in the world.
Yes. You can create multiple virtual cards for different purposes — one for subscriptions, one for travel, one for business — each with its own limits and controls.
Absolutely. Your card is protected by 3D Secure verification, in-app freeze/unfreeze controls, and industry-standard encryption on every transaction.
Your O3 card is accepted anywhere Visa is accepted — that's over 200 countries and millions of merchants online and in-store worldwide.
Once your account is verified and funded, you can create your virtual card instantly — it takes less than 5 minutes from sign-up to card ready.
Our support team is available 24/7. Reach us via the in-app chat, email us at hello@o3cards.com, or visit our Help Center for guides and tutorials.
Availability of card services depends on your location and supported jurisdictions. Learn more
Get digital banking
at your fingertips
