Credit Cards can be ideal if you need to a little extra money to tide you over every now and then.
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Credit cards are for short term borrowing and they cost you less than loan if you pay them back quickly.
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You can pay down on your credit card any time you want. And interest will stop immediately.
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You use your card again anytime you want. You are in charge.
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100% of people that download our app get a free card instantly.
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0% interest rate on the prepaid card and 0 charges.
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You can do any bank activity on your card through the O3 App.
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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.
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Revolving and continous line of credit
With O3 Credit Cards, your credit line is constantly available 24/7. Just pay your outstanding balance and your full balance is available for use again without requiring any new approval.
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No Bank Restrictions
You can operate any Bank Account in Nigeria and still have access to an O3 Credit Card.
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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.
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Reward Scheme
Points and cash back rewards are available for purchases made with O3 cards at selected outlets.
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0.13% is the interest rate shared on your card daily. Lowest in market.
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₦100,000 is the minimum limit on an O3 credit card.
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₦5,000,000 is the maximum limit on an O3 credit card.
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10% of what you spend is all you need to pay back. You don't have to pay everything.