O3 Capital is Nigeria’s first non-bank based credit card issuing company. With over 20 years of experience in the financial services industry, we are on a mission to provide financial services to the Nigerians. Our business model allows us to be the first non-bank-based card issuer to become the first choice for financial services in Nigeria. We are committed to providing a wide range of products and services to Nigerians, from cash transfers, money transfers and lending products.

We will also provide you with information and guides that you will need to apply for your first credit card. O3 Capital is a member of the African Payment Systems Organization (APSEO).