Prestige Credit Card

Prestige Credit Card

The O3 Prestige 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.

With our credit card you will be able to withdraw money from all ATMs and make payments at POS terminals in Nigeria.


  • 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


Joining fee N15,000
Monthly service fee N1,000
ATM Cash withdrawal fee (Per Transaction) N200
Supplementary Card issuance Fee N5,000
Card Replacement Fee N2,500
POS Interest rate 4%
Cash withdrawal interest rate 5%
Late Payment Fee N2,000


  • Cash advance 5%
  • POS – 4%

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