Prepaid Credit Card

Prepaid Credit Card

The O3 Prepaid Card is a NAIRA-denominated card which can be used for cash withdrawals or for payment of goods/services at all ATMs and POS terminals in Nigeria.


  • Multiple USES
  • Personal spending
  • Business travel and expense management
  • Gift Card
  • Voucher replacement
  • Per diem payment
  • Promotions
  • Payroll & employee incentives payment
  • Controlled spending for students and young adults (13 & over)
  • No Bank Restrictions
  • You can operate O3 Prepaid card like traditional bank account
  • 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.
  • You are in control!
  • Set you own spending limit. Load your card as you need it
  • Travel
  • Our prepaid card works like our credit cards all across Nigeria. Load your card and travel in safety and convenience.
  • Cards for teenagers and students
  • A prepaid card would give your child a great sense of independence and responsibility while teaching them the rudiments of managing their finances without the risk of getting into debt.
  • Use it like a bank account O3 prepaid cards are an alternative to traditional bank accounts. Nigerians and expatriates can have their salaries piad into it to meet their everyday needs.
  • Reward Scheme Points and cash back rewards are available for purchases made with O3 cards at selected outlets.
  • Improve Credit Rating
  • Valid Identification
  • If you are resident in Nigeria all you need is a valid identification

Card Features

  • Only a valid ID is required
  • 3 working days
  • High security and efficiency
  • No Bank Account Restrictions
  • Reloadable or non-reloadable
  • EMV compliant to ensure online security
  • Accepted everywhere in Nigeria
  • Naira-Denominated
  • Access to Discounts, Rewards and Great Deals


Joining fee N2,000
Monthly service fee
ATM Cash withdrawal fee (Per Transaction) N100
Supplementary Card issuance Fee N2,000
Card Replacement Fee N2,000
POS Interest rate 4%
Cash withdrawal interest rate 5%
Late Payment Fee N/A

Apply for your Prepaid Credit Card today

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