Every O3 card comes loaded with exclusive perks — from airport lounges to concierge services.
Online Payment
Shop online globally with zero friction. Accepted on every major platform worldwide.
Priority Pass
Access over 1,300 airport VIP lounges worldwide — travel like it was meant to be.
Travel
Exclusive travel rewards and insurance up to $750k. Explore the world confidently.
Transportation
15% off class upgrades and priority services with Hertz, AA and global partners.
Entertainment & Fine Dining
Exclusive access to events, restaurants and experiences your card unlocks.
Shopping
Discounts and loyalty points every time you shop with your O3 credit card.
Concierge Medical
Premium medical professionals and hospitals at your service 24/7, home and abroad.
Security
Shop confidently with 3D Secure, fraud protection and in-app card controls.
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
