Costs and rates:

Keep track of the rates and charges on your credit card. Download your 2023 pricing guide here, and keep in mind that you may always take use of our complimentary services, advantages, and awards to help you save money while you spend.


Recommendations for credit card prices:

All listed prices are effective from 1 January 2023 through 31 December 2023 and include VAT.

  • Bank of Ned cards:

Includes the Garage Card, Greenbacks, and Private Clients Pay-As-You-Use Credit Card.

  • America Online:

For an explanation of your transaction and service costs, as well as information on complimentary credit card services

  • Voyager SAA:

Information on your Premium or Gold Credit Card, including transaction and service fees, tips, and other details

  • Visit a bank:

(Only accessible to current clients) View all fees associated with your Go Banking credit or unbossed card that has been canceled


Most recent interest rates:

Last updated on May 29, 2023, to reflect the most recent South African repo rate.

How to reduce banking fees:

  • Use your credit card instead of cash; it is more secure and cost-effective. 
  • Remember that whenever you swipe your connected credit card, you also receive rewards on all eligible purchases. 
  • Avoid making cash withdrawals with your credit card as you will start accruing interest and fees right away. 
  • If you do require cash, use a Nedbank ATM because using an ATM from another bank will cost you extra. 
  • It’s more economical to avoid doing business at a branch, unless you have no other choice.
  • Use the self-service and online banking options as well as the Nedbank Money app to avoid incurring extra costs. 
  • When you pay for banking fees and charges with your rewards points, you can save.

Costs and rates:

  • Monthly service charge of R490.
  • Once-off initiation charge of R180.
  • The Membership Rewards Program is available without charge.
  • Free delivery and replacement of missing cards.
  • There are no fees for card swipes.

Control and convenience:

  • To earn more rewards and share your card benefits, add additional cards at no additional cost.
  • Change your credit limit on your card as needed using the Money app or online banking.
  • Tap and go, QR code scanning, linking your card to Apple Pay, Samsung Pay, Fitbit Pay, or Garmin Pay are all acceptable methods of payment.


  • Flexible choices for repayment.
  • Utilize the budget facility to pay off your purchases over time.
  • Minimum payment of 5% of the sum owed.
  • Use your card at any business that accepts Amex online, in stores, at ATMs, or overseas.

Travel advantages:

  • With Priority Pass, unwind in more than 1,200 lounges in 400 cities around the world. Get unrestricted entry to any Bidvest Premier Lounge in your area.
  • Enjoy The Centurion Lounge, which is only available to holders of American Express Platinum Credit Card.
  • 650 cities across the world are covered by the American Express Global Lounge Collection, giving you access to more than 1,400 airport lounges. Fastrack VIP meet and greet services are available at a few airports across the world, giving you access to domestic and international upgrades to your airport experience.
  • Use your Amex Platinum card at airport lounges to receive a 20% discount on Fastrack VIP Airport meet and greet services.
  • When traveling in business class, Etihad Airlines offers a free upgrade to the acclaimed first-class cabin (with savings up to 15%), Emirates and Qatar Airways all provide discounts up to 10%, and Qatar Airways offers discounts up to 20%.
  • Enjoy the benefits of Platinum Rewards membership at Tsogo Sun Hotels, including 15% off dining, 50% off cinema tickets, and 10% back in Sunland’s that may be applied to future visits.
  • Get a 30% discount on your hotel stay at any aha Hotels and Lodges location in Southern Africa.
  • Access specialized concierge services, such as round-the-clock travel assistance.
  • Join the Avis President’s Club to receive discounts on rental cars all over the world.


  • For increased security, your card is chip- and PIN-enabled. There are transactional SMS alerts available.
  • Using the Money app, define your transfer and withdrawal thresholds.
  • By contacting 0800 110 929, using the Nedbank Money app, online banking, or blocking and replacing or freezing and unfreezing your card, you can.
  • By calling 0800 110 929 or using online banking, you can stop or block your card at any moment.

Things to consider when applying:

  • You must be at least 18 years old.
  • You must be a resident of South Africa, possess a current passport and work permit, or both.
  • You must have a strong credit history and make at least R62,500 in monthly gross income before taxes.

You’ll need these documents.

  • A working visa and a valid passport or South African identification
  • Paystubs from the previous three months or recent, stamped bank statements

Knowledge of your credit score:

The ability to borrow money when you need it most, whether for an unexpected event, critical vehicle financing, or to purchase that dream home, depends on maintaining a solid credit record. Access your credit score for no cost, forever.

Why is a credit score important? What is a credit score?

  • A good credit score provides lenders an idea of how you handle credit, albeit it does not guarantee you a loan. 
  • You are performing well if your score is in the top range (730). 
  • You might require some assistance managing your credit if your score falls in the lower range (closer to 519). 
  • With the help of Nedbank’s free credit-scoring tool, you may raise your score and make it simpler to acquire the loan you need when you need it.

How to maintain a good credit score.

  • Every month, make timely payments on all your debts.
  • Don’t submit too many credit applications at once.
  • Try to use no more than 50% of the credit that is provided.
  • Check to see if a court has issued any judgments or administration orders against your name if you’ve ever struggled to manage your debt.

Your credit score-lowering factors:

  • Late payments on accounts.
  • There are too many credit applications.
  • utilizing all of your credit.
  • having administrative orders or judgments against your name.

Apply now through these methods.

  • Use online banking to apply
  • Locate a branch

Conditions for American Express Credit Cards:

Unless the context herein shows a different intention: 

  • “Act” refers to Public Law 34 of 2005 Concerning National Credit; 
  • “Agreement” refers to the credit facility agreement reached between you and us following your acceptance of the quotation, which is governed by these terms and conditions as well as the terms and conditions stated in the quotation and the application for the card, which is received by Nedbank Card in Sandton;
  • 1.3 An automated teller machine is a “ATM”; 
  • 1.4 “Available Card Facility” refers to a sum of the Total Card Facility that has been made instantly available to you and does not go above the Total Card Facility; 
  • 1.5 “Business Day” refers to any day that is not a Saturday, Sunday, or recognized holiday; 
  • 1.6 “Card” refers to the particular card we have issued, which may support contactless technology