— Applications are done via the O3CARDS app, available on both iOS and Google Play Store.
— Call our support team at +2342013301070, 012777630, 012777631. Alternatively, send a WhatsApp message to 08122829445, 07025291068, or 08126773904, or email care@o3cards.com.
— Applicants must be 21 years or older, have a BVN and NIN, be employed with a verifiable source of income, or be self-employed or own a business registered with the CAC.
— The card can be used at ATMs and POS terminals globally and for all online transactions. Visit www.o3cards.com for more benefits.
application is successful.
— ATM limits range from $200 to $2,000, and POS limits range from $200 to $20,000, depending on your card type
— Visit www.o3cards.com to view benefits specific to your card type
— Contact us 24/7 at +2342013301070, 012777630, 012777631, or via WhatsApp at 08122829445, 07025291068, or 08126773904, or email care@o3cards.com
— The Amex credit card comes with one card, but you can request a supplementary card.
— Visit www.o3cards.com to view the benefits attached to your card.
— You can change your PIN at any ATM, locally and globally
— Call +2342013301070, 012777630, 012777631. WhatsApp at 08122829445, 07025291068, 08126773904, or email care@o3cards.com.
— Use it at any ATM, POS, and businesses that accept Amex cards for transactions
— The 3-digit CVV code is at the back of your card for local transactions, and the 4-digit code is at the front for international transactions
— Log into your O3CARDS app and click on the freeze button or contact care@o3cards.com for assistance
— Send an email to care@o3cards.com
— Log into your O3CARDS app, click on the freeze button, or contact care@o3cards.com for assistance
— No, it is not configured for contactless payments
— No, you do not need to open a bank account. Contact your relationship manager or call +2342013301070, 012777630, 012777631
— You can generate it on the app or send a written request to care@o3cards.com for assistance
— Yes, you can make online payments
— The fee ranges from $200 to $2,000
— O3 Amex Green Card: $35
— O3 Amex Gold Card: $115
— O3 Amex Business Gold Card: $215
— O3 Amex Platinum Card: $265
— All fees include issuance, replacement, maintenance, and membership fees (one-off upon issuance).
— Submit your documents via the O3CARD mobile app
— The rate is accessible via the O3 mobile app
— 24 months
— Refer to customer care via care@o3cards.com
— You can use Naira. Terms and conditions apply
— At any terminal that accepts American Express cards.
— Yes, the interest is fixed.
— No, it is not permitted
— No, this is not allowed
— For individuals, it is the 30th of every month, and for business cardholders, an additional 15 days are provided.
— Interest on the loan starts counting the day you get it, you can get a credit card today and not get charged interest until the day you start spending
— Interest on loan is charged flat for 30 days while interest on the card is charged on the amount and only for the days the funds is outstanding so you can spend payback interest at the end of the month is much smaller
— Most loans are charged at 4% flat or more a month while o3 credit card is charged at 0.13% per day only on what you have spent.
— Loans are usually for 3,6 or 9 months while the credit card is for 2 years.
— When you finish paying your loan you have to reapply for a new loan when you need funds, but with the credit card you are in charge, you can pay back and have access to the funds as you want
— No deposits ,no account, no collateral, you need to have an acct with the bank who is issuing the loan or have a salary acct domiciled at the bank, but with the credit card you can have an account anywhere, o3 gives you freedom
— You need to pay a large sum every month on a loan, but with the o3 credit card you only need to spend 10% of your monthly balance and can roll over the following month
— You get rewards and cash backs as you spend your o3 credit card
— A loan is for specific needs but the credit card is ever ready to help you out of any situations 365,24/7 but the credit card is always there.
— Prepaid card anybody
— Credit card- above 21 years if you live and work in Nigeria
— Upload the documents via the mobile app or on the website.
— You will get an email or a call from the call centre within 24 hours letting you know if the application is successful.
— When you receive your PIN, call our CARE center number at the back of your card for activation, then change your PIN to any 4 digits of your choice at the nearest ATM.
— Hospitals, hotels, schools, supermarkets, restaurants across all ATM’S,POS.
— A ‘Credit limit’ is the maximum amount you can spend or borrow using your Credit Card. This limit is determined by various personal details like your income, source of income, regularity of income, repayment history pattern, etc.
— A ‘Credit limit’ is the maximum amount you can spend or borrow using your Credit Card. This limit is determined by various personal details like your income, source of income, regularity of income, repayment history pattern, etc.
— Depends on your salary you can get up to 300% of your net monthly income
— Yes, you can get a business credit card and the activities on your acct will be used to determine you limit.
— A credit limit is the maximum amount you have available on the card
— Yes you can
— You can fix your income and get a high yield on your investments
— Send an email to care@o3cards.com
— www.o3cards.com
— You can transfer to your card using the o3 capital app via any bank acct using the o3 capital mobile app
— You get a replacement card free
— O3 capital is regulated by the Central Bank of Nigeria
— O3 capital is the first and only non bank credit card issuing company in Nigeria
— O3 capital is a digital bank
— No, the o3 Credit card works everywhere in Nigeria but it will available outside the country soon
— Classic cards – N500,000
— Platinum cards – N1,000,000
— Prestige cards – N1,500,000
— Black cards – N2,500,000
— Red, black, grey
— O3 credit cards works across all e commerce sites in Nigeria and can be used anywhere in Nigeria
— When your money gets finished you cant spend again, but the with the o3 credit card you never run out of funds