Smart Credit Cards for Smart Nigerians
A credit card designed for Nigerians, with competitive rates and transparent terms.
Your Gateway to Financial Freedom
Build your credit history while enjoying the convenience and security of a modern credit card.
Card Features & Benefits
Secure & Protected
Advanced security features including real-time fraud monitoring and instant card freeze.
Mobile Control
Manage your card, track spending, and set limits all from our mobile app.
Wide Acceptance
Use your card at millions of locations nationwide and online.
Rewards Program
Earn points on every purchase that you can redeem for cash back or rewards.
Flexible Payments
28-day billing cycle with 14-day grace period for added flexibility.
Credit Building
Build your credit history with responsible card usage and timely payments.
Smart Digital Features
Instant Card Controls
Freeze/unfreeze your card, set spending limits, and manage permissions all from your phone.
Real-time Notifications
Get instant alerts for all transactions, payment reminders, and account updates.
Digital Wallet Integration
Add your card to popular digital wallets for contactless payments.
Rates & Fees
Excellent Credit
Credit Score: 700-850
Annual Percentage Rate
Good Credit
Credit Score: 600-699
Annual Percentage Rate
Building Credit
Credit Score: 300-599
Annual Percentage Rate
Additional Fees
How to Apply
Check Eligibility
Complete our quick credit assessment to check your eligibility and estimated APR.
Start AssessmentSubmit Application
Fill out our simple application form with your personal and financial information.
Apply NowGet Your Card
Once approved, your card will be delivered to your address within 3-5 business days.
Contact SupportReady to Get Started?
Join thousands of Nigerians already building their credit with Ohere.