O3 is here to ensure when Life happens (and it surely will) you are to sort things out with ease . We are a financial service fintech fully licensed by the Central Bank of Nigeria .

We believe O3 CREDIT CARDS are the ideal to have money in your hand anytime you need it. O3 Capital is the first non-bank card issuer in Nigeria, and we are the preferred credit card issuer. The benefits and deals are endless with constant new innovations.

Our Customer Service is our Greatest Advantage and its powered by our Greatest Strength, Our People .

We have been doing this for over 7 years , we know what we are doing. We have made mistakes; been through tough times but we are here stronger and better .

We continue to learn from you! We are building a vast network of merchants and service providers driven by where our cardholders like to go. This network would offer amazing deals and discounts to O3 Cardholders.

Our strategic thrust is to issue Naira (for now, watch this space!!!!!) credit and prepaid cards to the Nigerian market. We are thinking the same way as the Central Bank of Nigeria to create a "cashless Nigeria".

We are taking advantage of the CBN initiative and the demand for consumer-credit by the growing middle-income demography of the Nigerian, Our best is yet to come, that's a promise!