Personal Credit Card

Personal Credit Card

The O3 Personal Credit Card gives you access to a revolving credit facility. Our card is a NAIRA-denominated card which can be used locally for cash withdrawals or for payment of goods/services.


  • Easy access to CREDIT Easy access to credit cards with limits ranging from ₦100,000 to ₦1,500,000.
  • No security deposit or collateral required. O3 Cards gives you access to credit without having to make any equity contribution or pledge any property as collateral.
  • Revolving line of credit With O3 Credit Card, your credit line is constantly available 24/7. Just pay down your outstanding balance and your full balance is available for use again without requiring any new approval.
  • No Bank Restrictions You can operate any Bank Account in Nigeria and still have access to an O3 Credit Card.
  • Access to Discounts and great deals We are in partnership with various merchants all over Nigeria where you can get great discounts and fantastic deals.
  • Flexible payment for goods and services All goods and services enjoyed by you and your family can be paid for in one bill at your convenience.
  • Reward Scheme Points and cash back rewards are available for purchases made with O3 cards at selected outlets.

Card Features

  • Easy Access to Credit
  • 24 Months validity
  • No Collateral/Zero Deposit
  • EMV compliant to ensure online security
  • Accepted everywhere in Nigeria
  • Revolving Credit
  • Naira-Denominated
  • Minimum Mandatory Repayment of 10%
  • No Bank Account Restrictions – Flexible payment for Goods and Services
  • Access to Discounts and Great Deals


  • Duly completed & executed Personal Credit Card Application form.
  • Duly completed & executed Card Agreement form.
  • One copy of recent Passport size photograph of self.
  • International passport, New Driver’s License or the Permanent Voters Card (PVC).
  • Company ID Card.
  • Letter from Employer (on company letterhead and stamped)
  • Guarantor Form (Guarantor must be a colleague in the same establishment)
  • Guarantor’s Form
  • 6 months Bank Account Statement (Duly Stamped by the Bank).
  • 3 Months pay slip.
  • Recent Utility Bill.

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