Your Card. Your Power. Your Nigeria.

Spend smarter with the O3 Credit Card built for everyday Nigerians who mean business.

For Individuals

Cards built for individuals

O3 Prepaid Card

CBN Licensed Local Network

Annual Fee: ₦8,500

Core Card Features

Preloaded Naira-denominated prepaid card — no credit check required
Physical + Virtual card — issued same day
Fund your card instantly from any Nigerian bank account
Works at POS, ATM, and online across Nigeria
Pay bills, airtime, subscriptions, and more
24/7 card support via WhatsApp and in-app chat

Control & Security

Freeze and unfreeze your card instantly from the app
Set spending limits and transaction controls in real time
PIN-protected and 3D Secure verified on every transaction
Instant transaction alerts via SMS and push notification
Zero liability on unauthorised transactions
Card details masked for safe online use

Ideal Use Cases

Staff and payroll expense management
Budget control for individuals and families
Student spending cards — no bank account needed
Gifting and corporate giveaway programs
Event and travel allowance distribution
Daily spending for the unbanked and underbanked

Rewards & Everyday Perks

O3 Rewards Points on every eligible transaction
Redeem points for cashback or partner discounts
Exclusive merchant discounts on food, shopping, and lifestyle
Access to O3 loyalty program and seasonal offers
Referral bonuses when you invite friends
No monthly maintenance fee on basic tier

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O3 Gift Card

CBN Licensed Naira Denominated

Annual Fee: ₦15,000

Gift Card Features

Instant digital gift card delivery
Send gift cards to friends, family, and employees worldwide
Available in multiple currencies and denominations
Secure online redemption for shopping and subscriptions
Works across selected global retail and digital platforms
Physical and virtual gift card options available
Easy card balance tracking and transaction history

Shopping & Lifestyle Benefits

Use gift cards for online shopping, entertainment, and travel bookings
Access exclusive merchant offers and seasonal discounts
Perfect for birthdays, rewards, incentives, and corporate gifting
Accepted on selected international e-commerce platforms
Convenient gifting without the need for bank transfers
Flexible spending with no hidden redemption charges

Security & Protection

Protected transactions with advanced security systems
Instant card freeze and support assistance if compromised
Secure redemption process to prevent unauthorized usage
Real-time notifications for card activity and purchases
24/7 customer support for card-related assistance

O3 Exclusive Perks

Fast and seamless gift card purchase process
Corporate bulk gift card solutions for businesses
Special promotional campaigns and bonus rewards
Digital-first experience with quick activation
Earn O3 Rewards Points on qualifying transactions

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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.

Security First

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.

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

Your Card. Your Power. Your Nigeria.

Cards built for individuals