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Need a little help to tide you over untill payday? O3’s got you! Choose the right card for you. Every wallet deserves an O3.
Open an account
Need a little help to tide you over untill payday? O3’s got you! Choose the right card for you. Every wallet deserves an O3.
Open an account
Access working capital loans to help your business grow. Easy request process with business-friendly interest rates and repayment tenures.
Open an account
Designed for every level of spending need.
Everything you need as you travel all over the world for personal or business.
Real Credit Card
Spend in the Local Currency of the Country you are in ($USD, £GBP, €EUR, ¥JPY/CNY, ₦NGN, ₹INR, ₩KRW)
Repayment or Funding in USD or Naira
You have the option of paying in USD or Naira to fund your card
Rewards on Every Spend
Earn O3 Points on every transaction. Redeem for cashback, flight miles, or partner rewards. Gold and Platinum cardholders earn double and triple.
CBN-Regulated & Secure
Issued by O3 Capital, Nigeria's first CBN-licensed non-bank card issuer. Every transaction is protected by Mastercard's Zero Liability policy.
Billed to your Naira account at the CBN rate
See exactly what each Global Card tier includes before you apply.
| Feature | Green | Platinum | Royal | Business |
|---|---|---|---|---|
| Monthly Credit Limit | ₦15,000,000 | $20,000 | $25,000 | $250,000+ |
| Annual Fee | ₦15,000 | $50 | $200 | $150 |
| Physical + Virtual Card | ✓ | ✓ | ✓ | ✓ |
| ATM Withdrawals Abroad | ✓ | ✓ | ✓ | ✓ |
| O3 Rewards Points | 1x | 1.5x | 2x | 3x |
| Travel Insurance | — | Basic | Comprehensive | Premium + Medical |
| Airport Lounge Access | — | — | 2 visits / year | Unlimited |
| Concierge Service | — | — | — | ✓ |
| Purchase Protection | — | ✓ | ✓ | ✓ |
| Zero Liability Protection | ✓ | ✓ | ✓ | ✓ |
| Card Controls (App) | ✓ | ✓ | ✓ | ✓ |
O3 Global Cards are available to Nigerian residents with a valid BVN and regular income. Most applications are decided within 24 hours.
Must be a resident of Nigeria with a valid address.
Applicants must be at least 18 years old.
A valid BVN linked to a Nigerian bank account is required.
Proof of income via payslip or bank statement.
No negative records with credit bureaus.
Your 11-digit BVN. Dial *565*0# to retrieve it.
NIN slip, international passport, or driver's license.
3–6 months of statements or most recent payslip.
Recent photo with plain background, taken within 6 months.
Recent utility bill or bank statement (not older than 3 months).
Ready to apply? The entire process takes under 10 minutes.
All channels connect to the same instant-decision engine.
Download the app, fill in your details, upload documents, and receive an instant decision.
Download the AppComplete your application online in minutes and track your status in real time.
Apply on Web
Your journey with O3 CARDS starts here!
Just follow these easy steps
Verify your phone number with OTP.
Complete BVN and KYC verification.
Start making transfers easily.
Manage your business finances.
Download the O3 app
Create your account
Fund your account
Create your card instantly
At O3, we believe in giving back and supporting meaningful causes. Through our dedicated social impact programs and corporate social responsibility initiatives, we strive to make a difference in the communities we serve.
10 years of smooth partnership with O3.
Jimoh Ibrahim, Business Owner
"I no longer have to reject opportunities. Thanks to O3 Cards, receiving payments has become much easier!"
AZEEZ ADETOKUNBO FASHINA
CEO,
"I value reliability and efficiency, and O3 CAPITAL has consistently delivered both. The experience has been seamless from start to finish.”"
JOAN FALUYI
CEO, OFFSHORE DIMENSIONS
