In South Africa, navigating the field of credit cards involves a diverse landscape of options that fulfil various financial needs. Whether you’re looking for a card with no annual fee, an easy pass for those with a less favourable credit history, a cashback option or a high-limit card, the market has offers tailored to your preferences.

It’s crucial to be well-informed about annual fee details, initial limits, minimum income requirements and associated benefits. Whether you prioritise a no-annuity structure, need an easy pass option, seek cashback rewards or want a high limit, a comprehensive understanding of these categories allows you to make informed decisions in line with your financial goals.

See the options for low monthly fees, easy pass, cashback and high limit:

5 best credit cards – low monthly fees
5 best credit cards – easy pass/negative
5 best credit cards – cashback
4 best credit cards – high limit

5 best credit cards – low monthly fees

ABSA Student Credit Card

Introducing the ABSA Student Credit Card, a financial tool tailor-made for young adults between the ages of 18 and 30, specifically designed to address their unique needs, and distinguished by its affordability and transparent fee structure. This card is all about empowering the younger generation to embark on their financial journey with confidence, offering a range of advantages without the weight of recurring costs.

One of the stand-out features of the ABSA Student Credit Card is the complete absence of monthly card and annual fees. This means that as a cardholder, you can make purchases with a peace of mind, both in physical stores and online, without worrying about incurring ongoing charges when you are already living on a budget. Beyond the immediate benefits of fee-free usage, this card also provides an invaluable opportunity to establish a credit history, an important step towards ensuring one’s financial stability in years to come.

With the ABSA Student Credit Card in your wallet, you’ll have access to a world of rewards and benefits. ABSA Rewards is a program that elevates the value of this card by offering cashback rewards when you use it for payments. Additionally, you can earn rewards instantly through ABSA Advantage by completing simple challenges on the user-friendly ABSA Banking App. Speaking of digital banking, the card is equipped with excellent digital capabilities that allow you to manage your card effortlessly; anytime and anywhere. You can report any fraudulent activity, adjust daily spending limits, and perform various other transactions, all through the ABSA Banking App or online banking. As if these benefits weren’t enough, you’ll also enjoy three complimentary visits to the Bidvest Airport Lounge each year, with special rates for additional visits. Furthermore, the card includes travel insurance coverage up to R1 million for various travel emergencies, providing peace of mind during your travels.

As far as security is concerned, rest assured, the ABSA Student Credit Card offers free lost card protection. This means you are covered in the event of card loss or theft, provided you promptly notify the bank. Additionally, you can take advantage of exclusive Visa benefits, such as Visa Global Merchant offers and contactless payments using your card, smartphone, or wearable device at any point-of-sale terminal worldwide. For added security, you can activate SMS notifications through NotifyMe, receiving real-time alerts about account activity.

When it comes to rates and fees, this card offers an interest-free grace period of up to 57 days on qualifying transactions. This grace period provides you with financial flexibility and can be especially useful for managing your expenses. Moreover, there are no transaction fees on your purchases, and you have the option to make extra payments toward your monthly instalments as needed, allowing you to take control of your financial commitments and needs.

Qualifying criteria and requirements

To qualify for the ABSA Student Credit Card, you must meet specific criteria. Applicants should have a minimum monthly income or allowance of R800 and fall within the age range of 18 to 30 years. You will need to provide essential documentation, including a valid South African ID book or smart card, proof of residence, and the latest proof of income for the past three months. Additionally, applicants must be registered as full-time students at an FET college, SAQA-approved institution, university, university of technology, or private institution.

Getting your hands on the ABSA Student Credit Card is a straightforward process. You can visit an ABSA branch or head to the dedicated ABSA Student bureau.

African Bank Black Credit Card

Easily manage your finances and enjoy the benefits of the African Bank Credit Card tailored to your lifestyle. Whether you’re on the move or prefer online banking, this card offers you unparalleled convenience and security. With instant issuance at any African Bank Branch, your personalised embossed card is ready to use globally at any merchant or ATM displaying the Visa logo. Say goodbye to the hassle of carrying cash as you can simply tap, dip, or swipe and enter your PIN to complete transactions.

Your online transactions are secured with a one-time PIN (OTP) for added peace of mind. Plus, you can withdraw cash at point-of-sale locations such as Checkers, Shoprite, Spar, and Pick n Pay. Customize your transaction limits or enjoy up to 62 days of interest-free credit on POS and online purchases when you settle your balance in full by the due date. Earn interest on a positive balance and ensure coverage for unexpected events with Credit Life insurance.

Banking with African Bank is not only convenient but also cost-effective. You can access a range of free online and mobile services that allow you to manage your account with ease. Check your available balance, obtain statements, paid-up letters, settlement quotes, tax certificates, and more—all in a few simple steps. If you’ve had your Credit Card for six months or more, you may be eligible for a limit increase, subject to a credit assessment, giving you even greater financial flexibility.

1. Your can earn up to 3% interest on a positive balance on our credit card
2. Up to 62 days interest free
3. Online shopping, baking on the move, easy repayments and instant issue
4. Apply for credit card with up to a R250k credit limit

To apply for an African Bank Credit Card tailored to your lifestyle, make sure you have the following documents handy: your most recent proof of income, a valid ID showing you are over 18 years old, and the latest bank statement reflecting three months’ salary deposits. African Bank offers competitive pricing, including a monthly service fee of R65.00, a card replacement fee of R130.00, and an initiation fee of R140.00. All fees include 15% VAT, and please note that fees and interest rates may change.

The African Bank Credit Card is designed to provide you with a seamless and secure banking experience. Enjoy the freedom of managing your finances your way, whether you’re at home or traveling abroad. With competitive fees and a host of benefits, it’s the perfect financial tool for your lifestyle.

Standard Bank Blue Credit Card

The Blue Credit Card, a straightforward and affordable credit facility designed to cater to a wide range of individuals. With a modest monthly fee of just R40.00 and a minimum monthly income requirement of R5,000, this card offers accessibility without breaking the bank. One of the standout features of the Blue Credit Card is its generous credit limit of up to R250,000, giving you the financial flexibility you need when it matters. What’s more, it comes with a personalized interest rate, ensuring that your card’s terms are tailored to your unique financial situation. But that’s not all – this card offers another layer of value by allowing you to earn UCount Rewards Points with every purchase. Accumulate these points over time and redeem them for a variety of items and experiences, adding an extra layer of benefit to your spending.

The Blue Credit Card prioritises both convenience and security in its design. You can make payments effortlessly by swiping or tapping at any MasterCard®-accepting merchant, and you even have the option to link your card to secure payment apps on your phone, making digital transactions a breeze. In terms of security, the Blue Credit Card offers world-class features for online shopping and provides you with the power to toggle your card on or off within the bank’s app, giving you complete control over your card’s usage. Additionally, you won’t incur any interest charges if you pay off your outstanding balance in full within 55 days, promoting responsible credit card management and increasing your credit score.

In the digital age, managing your credit card is made easy with the Blue Credit Card. Standard Bank’s digital platforms allow you to have unparalleled control and convenience when it comes to managing your card. Whether you prefer to handle your card online, in the app, or at ATMs, this credit card offers flexibility and ease of access to meet your individual needs.

While the Blue Credit Card keeps things simple by not offering additional loyalty features or benefits, you do have the option to add a Credit Card Protection Plan for extra peace of mind. This plan ensures that, in the event of unforeseen circumstances, your credit card debt will be covered, relieving you of any financial burden during difficult times.

The Blue Credit Card is globally accepted, thanks to its Chip- and PIN-enabled Mastercard. You can use it at millions of merchants and ATMs worldwide. It also incorporates 3D Secure verification for secure online shopping and offers the convenient Tap to Pay™ feature for in-store purchases of R500 or less. You can further enhance your payment options by linking your card to the SnapScan or Masterpass apps for quick and secure mobile payments. Plus, you have the flexibility to adjust your credit limit as needed to accommodate your financial requirements.

To obtain the Blue Credit Card, you can choose from various application channels, including Internet Banking, the Standard Bank App, Cellphone Banking, or by completing a Call Me Back form on the Standard Bank website. If you’re already a Standard Bank Account holder, you can apply online or via the app for added convenience. Alternatively, if you’re new to Standard Bank, the application process is straightforward. Just fill out the necessary forms and provide essential documents such as your South African ID, payslip, bank statements, and proof of residence. As long as you meet the income requirement of R5,000 or more per month and are over 18 years old, you’re eligible to apply. Approval is subject to credit checks and FICA requirements.

In conclusion, the Blue Credit Card stands out as a simple, affordable, and flexible credit facility that caters to your financial needs. With its digital features, security measures, and rewards program, it seamlessly combines modern banking convenience with the assurance that your credit card debt can be covered during challenging times. Whether you’re already a Standard Bank customer or new to the bank, obtaining this card is hassle-free, making it a practical choice for many individuals seeking reliable financial support.

Nedbank Gold Credit Card

The New Nedbank Gold Credit Card is a financial game-changer that offers affordability, flexibility, and a range of benefits. At just R40 per month, this card opens up numerous financial possibilities, making it accessible to a wide range of individuals who meet the modest minimum income requirement of R5,000 per month. This low cost makes it an attractive option for those seeking a cost-effective credit solution.

When you receive your Nedbank Gold Credit Card, there are no additional charges for delivery, and card swipes incur no fees. This means you can use your card for everyday purchases without worrying about hidden costs. If you want to share the benefits of this card with a family member or friend, you can get an additional card for just R30, making it a cost-effective option to extend the advantages of your credit card.

Managing your card is convenient through the Money app or Online Banking, giving you control over your finances and card usage. You can also use your card for contactless transactions, tap and go, or scan to pay using QR codes, and link it to various payment platforms like Apple Pay, Samsung Pay, Fitbit Pay, or Garmin Pay, making it versatile and accessible.

Flexibility is a core principle of the Nedbank Gold Credit Card. You can choose from various repayment options and use the budget facility to spread out your purchases over time. The minimum repayment required is just 5% of the outstanding balance, offering flexibility to manage your financial obligations according to your circumstances. You can also adjust your credit limit for further control over spending.

Benefits and security

The card offers potential rewards and discounts, including a 50% discount on Nu Metro movie tickets and 25c cashback per liter of fuel at BP when using your Greenbacks-linked card. The Greenbacks Shop Card provides discounts at leading American Express-accepting stores, covering various categories from dining and travel to shopping and more.

For added peace of mind, the Nedbank Gold Credit Card includes purchase protection and the option to acquire credit life cover. Travel enthusiasts can benefit from optional top-up travel insurance and discounts on car hire from Hertz and Avis when using Greenbacks.

Security is a top priority, with real-time transaction SMS alerts, transfer and withdrawal limits, and the ability to block, replace, freeze, or unfreeze your card using the Money app or cellphone banking. The chip-and-PIN technology adds an extra layer of security to your transactions.

To be eligible for the card, you must be over 18 years old, reside in South Africa, possess a valid South African ID or a valid passport with a work permit, and earn a minimum of R5,000 per month before tax with a healthy credit score.

In conclusion, the New Nedbank Gold Credit Card offers affordability, flexibility, and a host of benefits and rewards. With a low monthly fee of R40, it provides exceptional value for money while equipping you with the financial tools and security to manage your finances effectively. Whether you seek convenience, rewards, or peace of mind, this card is a versatile and accessible solution.

TymeBank Credit Card

The TymeBank Credit Card offers a range of benefits to its users, making it a valuable addition to your financial roundtable. One of its stand-out features is the ability to earn Smart Shopper points wherever you make purchases, with a fourfold increase in points when shopping at Pick n Pay. Furthermore, when you diligently pay off your entire outstanding balance each month, you can enjoy up to 55 days of interest-free credit. Security is a top priority, as the card ensures secured transactions for your peace of mind. Additionally, it offers flexible payment options tailored to your needs, making it easier to balance your family’s necessities with your budget #struggles.

This credit card empowers you to do more, enhancing your financial freedom and rewards. You can utilise it to withdraw cash from ATMs, with a small fee, and shop at any location, including online stores like Takealot, Superbalist, Woolworths and many many more.. The prospect of up to 55 interest-free days awaits those who consistently settle their accounts in full and on time each month. Some other perks include receiving SmartShopper points no matter where you shop, SMS notifications to stay informed, and convenient monthly statements.

When it comes to pricing, TymeBank aims to keep things simple and cost-effective. Many services are offered for free, including the first card replacement fee, credit card purchases, card courier fee (with exceptions), and SMS notifications. The monthly service fee is a modest R43.00, with a minimal statement copy fee of R5.50 when applicable. Overseas purchases incur a 2% fee on the Rand value, while optional Customer Protection Insurance (CPI) costs R4.50 per R1,000 of your outstanding balance. You can withdraw cash up to a maximum of R3 000 a day at any ATM or PnP till, depending on your available credit. When you make a purchase of R200 or more, you can select at the till to spread the repayments over an affordable term of 6 to 36 months.

The TymeBank Credit Card opens up a world of possibilities for clients aged 18 and older. It allows you to shop both online and in physical stores, wherever you see the Visa logo, globally. The card also boasts built-in security features, including SMS notifications, to safeguard your finances against potential fraud. With the optional Credit Card protection plan, your balance can be covered up to R250,000 in the unfortunate event of your death, a dread disease diagnosis, or permanent disability.

Moreover, this credit card simplifies the process of managing significant expenses. The budget facility enables you to spread the cost of substantial items, such as unexpected medical bills, a new refrigerator, or school fees, over manageable monthly instalments, spanning 6, 12, 18, 24, or 36 months for purchases totalling R200 or more. Additionally, responsible use of your TymeBank Credit Card can help you build a favourable credit history, which can facilitate quicker loan approvals and potentially lower interest rates when applying for loans or store accounts.

In conclusion, the TymeBank Credit Card is a versatile financial tool that offers numerous benefits, including rewards, security, flexibility, and convenience. By using it wisely and settling your balance on time, you can enhance your financial stability and enjoy a host of privileges, all while building a positive credit record. It’s a valuable addition to your financial portfolio, designed to make your life easier and more rewarding.

5 best credit cards – easy pass/negative

ABSA Student Credit Card

The ABSA Student Credit Card is a tailor-made financial tool for young adults between the ages of 18 and 30, specifically designed to meet their unique needs and distinguished by its affordability and transparent fee structure. This card aims to empower the younger generation to embark on their financial journey with confidence by offering a range of benefits without the burden of recurring costs, and offers an interest-free grace period of up to 57 days on eligible transactions. This grace period gives you financial flexibility and can be especially useful for managing your expenses. In addition, there are no transaction fees on your purchases and you have the option of making extra payments towards your monthly instalments as required, allowing you to take control of your commitments and financial needs.

One of the most striking features of the ABSA Student Credit Card is the total absence of monthly and annual card fees. This means that, as a cardholder, you can shop with peace of mind, both in physical shops and online, without worrying about incurring ongoing charges when you’re already living on a limited budget. In addition to the immediate benefits of fee-free use, this card also provides an invaluable opportunity to establish a credit history, an important step in ensuring your financial stability in the years to come.

With the ABSA Student Credit Card in your wallet, you’ll have access to a world of rewards and benefits. ABSA Rewards is a program that elevates the value of this card by offering cashback rewards when you use it for payments. Additionally, you can earn rewards instantly through ABSA Advantage by completing simple challenges on the user-friendly ABSA Banking App. Speaking of digital banking, the card is equipped with excellent digital capabilities that allow you to manage your card effortlessly; anytime and anywhere. You can report any fraudulent activity, adjust daily spending limits, and perform various other transactions, all through the ABSA Banking App or online banking. As if these benefits weren’t enough, you’ll also enjoy three complimentary visits to the Bidvest Airport Lounge each year, with special rates for additional visits. Furthermore, the card includes travel insurance coverage up to R1 million for various travel emergencies, providing peace of mind during your travels.

As far as security is concerned, rest assured, the ABSA Student Credit Card offers free lost card protection. This means you are covered in the event of card loss or theft, provided you promptly notify the bank. Additionally, you can take advantage of exclusive Visa benefits, such as Visa Global Merchant offers and contactless payments using your card, smartphone, or wearable device at any point-of-sale terminal worldwide. For added security, you can activate SMS notifications through NotifyMe, receiving real-time alerts about account activity.

To qualify for the ABSA Student Credit Card, you must meet specific criteria. Applicants should have a minimum monthly income or allowance of R800 and fall within the age range of 18 to 30 years. You will need to provide essential documentation, including a valid South African ID book or smart card, proof of residence, and the latest proof of income for the past three months. Additionally, applicants must be registered as full-time students at an FET college, SAQA-approved institution, university, university of technology, or private institution.

Getting your hands on the ABSA Student Credit Card is a straightforward process. You can visit an ABSA branch or head to the dedicated ABSA Student bureau.

Capitec Global One Credit Card

Capitec, a well-known financial institution, offers a versatile credit card designed to meet your unique financial needs. This credit card comes with numerous benefits that can be a valuable addition to your financial toolbox.

• Let’s explore the advantages of owning a Capitec credit card.

One standout feature of the Capitec Credit Card is its personalized approach to credit limits. The card is customized to your financial situation, allowing you access to credit limits of up to R500,000. This flexibility ensures you can manage your financial responsibilities comfortably while enjoying the convenience of a credit card.

• Zero currency conversion fees
• Free local swipes
• Free credit card delivery to your door
• Interest from prime
• Up to 55 days interest-free period
• Safe and secure online shopping with retailers
• Free travel insurance up to R5 million
• Help to build your credit record
• Earn 3.50% per year on a positive balance
• Credit insurance is available if you do not have your own

Interest is another critical aspect of any credit card, and Capitec excels in this regard. With a Capitec Credit Card, you can earn interest on any positive balance in your account, helping you maximize your finances. Moreover, you can benefit from up to 55 days of interest-free purchases, providing ample time to settle your bills without incurring unnecessary interest charges.

When it comes to international usability, the Capitec credit card stands out. Online shopping is not only convenient but also secure, ensuring your financial transactions remain protected. Additionally, you can use your card worldwide without worrying about extra fees or currency conversion charges for international payments. This makes it an excellent choice for both local and international transactions.

For travellers, the Capitec credit card provides peace of mind with its international travel insurance coverage, free travel insurance up to R5 million. This insurance plan protects against unexpected medical expenses while abroad.

Managing your Capitec credit card is effortless thanks to their user-friendly app. With this app, you can adjust daily limits, transfer balances, and monitor your transaction history and credit limits. This level of control empowers you to stay on top of your finances and make informed decisions.

To qualify for a Capitec credit card, you’ll need to provide essential documents like your ID, recent salary slip, and a bank statement reflecting the last three salary deposits. Your monthly income must be between R5,000 and R10,000 to fulfil the eligibility criteria.

In summary, the Capitec Credit Card is a versatile and convenient financial tool that adapts to your unique financial situation. With tailored credit limits, interest-earning potential, international usability, travel insurance, and easy management through the app, it’s an excellent choice for a wide range of financial needs. Whether you’re a frequent traveller or simply seeking a flexible credit solution that stretches your buck through cashback rewards, this card is for you.

Standard Bank Blue Credit Card

The Blue Credit Card, a straightforward and affordable credit facility designed to cater to a wide range of individuals. With a modest monthly fee of just R40.00 and a minimum monthly income requirement of R5,000, this card offers accessibility without breaking the bank. The Standard Bank Blue Credit Card doesn’t overwhelm you with complex features but focuses on providing essential benefits that align with your financial needs.

One of the standout features of the Blue Credit Card is its generous credit limit of up to R250,000, giving you the financial flexibility you need when it matters. What’s more, it comes with a personalized interest rate, ensuring that your card’s terms are tailored to your unique financial situation. But that’s not all – this card offers another layer of value by allowing you to earn UCount Rewards Points with every purchase. Accumulate these points over time and redeem them for a variety of items and experiences, adding an extra layer of benefit to your spending.

The Blue Credit Card prioritises both convenience and security in its design. You can make payments effortlessly by swiping or tapping at any MasterCard®-accepting merchant, and you even have the option to link your card to secure payment apps on your phone, making digital transactions a breeze. In terms of security, the Blue Credit Card offers world-class features for online shopping and provides you with the power to toggle your card on or off within the bank’s app, giving you complete control over your card’s usage. Additionally, you won’t incur any interest charges if you pay off your outstanding balance in full within 55 days, promoting responsible credit card management and increasing your credit score.

In the digital age, managing your credit card is made easy with the Blue Credit Card. Standard Bank’s digital platforms allow you to have unparalleled control and convenience when it comes to managing your card. Whether you prefer to handle your card online, in the app, or at ATMs, this credit card offers flexibility and ease of access to meet your individual needs.

While the Blue Credit Card keeps things simple by not offering additional loyalty features or benefits, you do have the option to add a Credit Card Protection Plan for extra peace of mind. This plan ensures that, in the event of unforeseen circumstances, your credit card debt will be covered, relieving you of any financial burden during difficult times.

Moreover, the Blue Credit Card is globally accepted, thanks to its Chip- and PIN-enabled Mastercard. You can use it at millions of merchants and ATMs worldwide. It also incorporates 3D Secure verification for secure online shopping and offers the convenient Tap to Pay™ feature for in-store purchases of R500 or less. You can further enhance your payment options by linking your card to the SnapScan or Masterpass apps for quick and secure mobile payments. Plus, you have the flexibility to adjust your credit limit as needed to accommodate your financial requirements.

How to get it

To obtain the Blue Credit Card, you can choose from various application channels, including Internet Banking, the Standard Bank App, Cellphone Banking, or by completing a Call Me Back form on the Standard Bank website. If you’re already a Standard Bank Account holder, you can apply online or via the app for added convenience. Alternatively, if you’re new to Standard Bank, the application process is straightforward. Just fill out the necessary forms and provide essential documents such as your South African ID, payslip, bank statements, and proof of residence. As long as you meet the income requirement of R5,000 or more per month and are over 18 years old, you’re eligible to apply. Approval is subject to credit checks and FICA requirements.

In conclusion, the Blue Credit Card stands out as a simple, affordable, and flexible credit facility that caters to your financial needs. With its digital features, security measures, and rewards program, it seamlessly combines modern banking convenience with the assurance that your credit card debt can be covered during challenging times. Whether you’re already a Standard Bank customer or new to the bank, obtaining this card is hassle-free, making it a practical choice for many individuals seeking reliable financial support.

FNB Aspire Credit Card

The FNB Aspire Credit Card offers various advantages designed to streamline your financial life and provide peace of mind. Whether you’re facing unexpected money problems or looking to maximize your everyday spending, this credit card has you covered.

One of the standout features of The FNB Aspire Credit Card is its ability to provide a safety net during challenging financial situations. It acts as a reliable fallback option when you need it the most. Additionally, it offers complimentary travel insurance when you use it to pay for your trips, ensuring that you’re protected while exploring new destinations. In the event of unforeseen medical expenses, The FNB Aspire Credit Card can step in to assist you.

Security and readability

Safety and convenience are paramount with Aspire. It enables secure online transactions with robust fraud protection. If you encounter any issues, reporting them is a breeze. The card is easily manageable through the user-friendly app, even if it’s lost or misplaced. Aspire offers personalized interest rates, provides up to 55 days to pay without incurring interest charges, and includes practical features like budget tools, automated payments, and balance transfers. You can effortlessly monitor your finances through various channels, including the FNB app, online banking, cellphone banking, and contactless payments.

• Eligibility for The FNB Aspire Credit Card is within reach for individuals earning between R84,000 and R449,999 annually.

Applying for the card is convenient, with multiple options such as online applications, requesting a callback, contacting FNB, visiting a branch, or utilizing the FNB Banking App. To streamline the process, ensure you have your recent pay slip, three months of bank statements, your South African ID, and proof of residence readily available.

To earn these rewards, you need to have an FNB Aspire Account and meet certain criteria every month. You can qualify by depositing a minimum amount of money into your account, maintaining good standing across your FNB accounts, and making at least one payment, transfer, or purchase on the FNB App (if you’re over 60, the app is not required). Once you qualify, you can enjoy various benefits, such as earning eBucks when you spend money at partner stores like Checkers, Clicks, Engen, and Intercape, as well as getting rewards for learning from home, staying connected, travelling, saving, and spending time with your family. The more you engage with FNB, the more rewards you can unlock, and there’s even a “Boost my rewards” program for additional perks like a monthly KAUAI smoothie and a voucher for a new pair of shoes. Seniors over 60 also get special benefits like faster eBucks earnings at Clicks on Wednesdays and extra data on FNB Connect SIM cards. Additionally, you can unlock SLOW Lounge visits when booking flights through eBucks Travel with your FNB Aspire Credit Card. Remember, the eligibility criteria vary depending on your account type, so it’s essential to meet the specific requirements to enjoy these rewards.

In conclusion, The FNB Aspire Credit Card stands as a reliable financial companion, offering a wide array of benefits to simplify your monetary affairs and provide added security. With its impressive rewards, ease of use, and commitment to safeguarding your finances, this card is a valuable addition to your wallet.

TymeBank Credit Card

The TymeBank Credit Card offers a range of benefits to its users, making it a valuable addition to your financial roundtable. One of its stand-out features is the ability to earn Smart Shopper points wherever you make purchases, with a fourfold increase in points when shopping at Pick n Pay. Furthermore, when you diligently pay off your entire outstanding balance each month, you can enjoy up to 55 days of interest-free credit. Security is a top priority, as the card ensures secured transactions for your peace of mind.

• Additionally, it offers flexible payment options tailored to your needs, making it easier to balance your family’s necessities with your budget #struggles.
• The prospect of up to 55 interest-free days awaits those who consistently settle their accounts in full and on time each month.

Some other perks include receiving SmartShopper points no matter where you shop, SMS notifications to stay informed, and convenient monthly statements. This credit card empowers you to do more, enhancing your financial freedom and rewards. You can utilise it to withdraw cash from ATMs, with a small fee, and shop at any location, including online stores like Takealot, Superbalist, Woolworths and many many more.

When it comes to pricing, TymeBank aims to keep things simple and cost-effective. Many services are offered for free, including the first card replacement fee, credit card purchases, card courier fee (with exceptions), and SMS notifications. The monthly service fee is a modest R43.00, with a minimal statement copy fee of R5.50 when applicable. Overseas purchases incur a 2% fee on the Rand value, while optional Customer Protection Insurance (CPI) costs R4.50 per R1,000 of your outstanding balance. Some ATM and bank-related fees apply, such as R6.00 for ATM balance enquiries, R16.00 for overseas ATM balance enquiries, R8.00 for each R1,000 withdrawn from an ATM, and R3.00 for Pick n Pay in-store cash withdrawals.

Moreover, this credit card simplifies the process of managing significant expenses. The budget facility enables you to spread the cost of substantial items, such as unexpected medical bills, a new refrigerator, or school fees, over manageable monthly instalments, spanning 6, 12, 18, 24, or 36 months for purchases totalling R200 or more. Additionally, responsible use of your TymeBank Credit Card can help you build a favourable credit history, which can facilitate quicker loan approvals and potentially lower interest rates when applying for loans or store accounts.

The TymeBank Credit Card opens up a world of possibilities for clients aged 18 and older. It allows you to shop both online and in physical stores, wherever you see the Visa logo, globally. The card also boasts built-in security features, including SMS notifications, to safeguard your finances against potential fraud.

In conclusion, the TymeBank Credit Card is a versatile financial tool that offers numerous benefits, including rewards, security, flexibility, and convenience. By using it wisely and settling your balance on time, you can enhance your financial stability and enjoy a host of privileges, all while building a positive credit record. It’s a valuable addition to your financial portfolio, designed to make your life easier and more rewarding.

5 best credit cards – cashback

Absa Flexi Core Credit Card

The Absa Flexi Core Credit Card is not just your ordinary credit card; it’s a powerful financial tool that combines convenience, security, and rewarding features to enhance your banking experience. With the Absa Banking App, you can embrace the digital age of banking, managing your cards, reporting fraud, and adjusting daily card limits with ease. Plus, Absa Online Banking ensures you have 24/7 access to your finances from anywhere in the world.

30% real cash back

But what truly sets this credit card apart are the cashback rewards. Absa Rewards lets you earn real cash back on both local and international card transactions. Whether you’re shopping at popular retailers like Food Lover’s Market, Pick n Pay, or Woolworths, you can pocket up to 30% in cashback, depending on your Rewards Tier. Even when filling up your vehicle at the gas station or making purchases at Sasol, you’re entitled to the same cash-saving benefits. And if health and beauty are your priorities, Dis-Chem offers up to 30% real cash back on those purchases too.

But it doesn’t stop there. The cashback opportunities extend across various categories and partners. No matter where you engage with Absa’s partners, you can enjoy up to 30% real cash back, based on your Rewards Tier. Even your digital lifestyle expenses aren’t left out. By interacting with Absa’s Digital Partners, you can earn up to 30% real cash back on those expenditures, ensuring that your cashback rewards continue to grow.

In addition to these enticing cashback rewards, the Absa Flexi Core Credit Card offers a suite of other benefits. Automatic basic travel insurance coverage ensures you’re protected during emergencies when traveling abroad, and free lost card protection guarantees you’re covered if your card is ever lost or stolen, provided you notify the bank promptly. The Absa Advantage program adds another layer of rewards, encouraging you to practice smarter banking by completing simple challenges on the app.

When it comes to rates and fees, Absa understands the importance of flexibility and transparency. You can enjoy up to 57 days of interest-free transactions, giving you ample time to manage your finances. There are no transaction fees on purchases, and you have the flexibility to make fixed monthly payments, with the option to pay extra on your installments if necessary. With a credit limit of up to R90,000, you have substantial purchasing power, whether you’re shopping online or in-store. Various payment methods, including swiping, scanning, or tapping your card at point-of-sale machines globally, make your transactions hassle-free.

Qualifying for an Absa credit card is straightforward. You need a minimum monthly income of R2,000 and must be 18 years or older. The required documentation includes a valid South African ID book or Smart card, proof of residence, and the latest proof of income for the last three consecutive months. The application process is user-friendly, allowing you to apply online or in-person at an Absa branch near you.

In conclusion, the Absa Flexi Core Credit Card combines the best of both worlds: cutting-edge digital banking convenience and lucrative cashback rewards. It’s a financial tool that empowers you to manage your finances efficiently and securely while enjoying substantial savings on your everyday expenses. With its transparent qualifying criteria and user-friendly application process, it promotes financial inclusion and ensures that everyone can benefit from its remarkable features.

Discovery Bank Gold Credit Card

The Discovery Bank Gold Suite is a comprehensive banking package designed to elevate your everyday banking experience. It is specifically tailored for individuals with an annual income ranging from R100,000 to R350,000 and comes at a monthly cost of R219. This suite offers a number of benefits, with a significant emphasis on cashback rewards and the versatile Discovery Miles rewards program.

Cashback benefits

One of the standout features of the Gold Suite is the opportunity to earn substantial cashback rewards. Customers can enjoy up to 40% cashback on purchases related to healthy food and healthcare. This is not only an attractive incentive for those looking to lead a healthier lifestyle but also a practical way to save money on everyday expenses. Furthermore, the Gold Suite provides a generous 50% discount on local flights, making travel more affordable for its clients. Additionally, borrowers can benefit from up to 7% lower interest rates on loans, reducing the overall cost of borrowing in today’s economic climate.

The Gold Suite encompasses a wide range of financial products to meet your banking needs. You gain access to a cutting-edge credit card, a versatile transaction account, and the option to open multiple free savings accounts to help you reach your financial goals. Managing your credit is made simple with flexible credit facilities, and the convenience of accessing Real-Time Forex Accounts 24/7 through the banking app ensures you are always in control of your finances.

Engaging with the Vitality Money program, which is integrated into the Gold Suite, opens up a world of tailored rewards based on your financial habits. These include discounts on local flights and the opportunity to earn up to 40% cashback on healthy groceries and personal care items. These benefits are just the tip of the iceberg when it comes to the rewards you can enjoy as a Gold Suite member.

Discovery Bank takes a unique approach to encourage financial fitness by rewarding clients with Discovery Miles. These are not your typical loyalty points; they are a versatile rewards currency that can be earned through a variety of ways, such as healthy living, responsible spending, and safe driving. With a Gold Suite membership, you can earn Discovery Miles through activities like cashback rewards on groceries, personal care items, Uber rides, fuel purchases, and even a portion of your Discovery Life plan premiums.

The Gold Suite introduces an engaging feature known as the Vitality Active Rewards gameboard, which provides clients with the opportunity to earn thousands of Discovery Miles on a weekly basis. Achieving your weekly goals unlocks activity tiles that can reward you with up to Ð1,500. You can also earn rewards based on the number of Discovery products you have and your spending at grocery, pharmacy, and fuel partners.

When it’s time to spend your hard-earned Discovery Miles, the Gold Suite offers numerous benefits. You can enjoy up to 15% off at over 40 online and in-store retail partners. On the 15th of every month, this discount doubles to up to 30% on Miles Ð-Day, providing substantial savings opportunities. Additionally, you can use your Discovery Miles on the banking app to save on airtime, data, and prepaid utilities. Moreover, there’s a wide array of exciting rewards available in the Vitality Mall, all at discounted prices, further enhancing the value of your Discovery Miles.

In conclusion, the Discovery Bank Gold Suite presents a holistic banking solution that places a strong emphasis on cashback rewards, discounts, and a versatile rewards program. By combining these features, the Gold Suite enhances your everyday banking experience, making it more rewarding and cost-effective. Whether you’re looking to save on everyday expenses, enjoy discounted travel, or earn rewards for your financial habits, the Gold Suite offers a comprehensive solution that caters to your needs.

Nedbank Gold Credit Card

The Nedbank Gold Credit Card, is the perfect solution for those seeking an affordable and convenient credit card option. With a remarkably low fee starting at just R40 per month, it’s an easily accessible choice for many. To qualify, all you need is an income of at least R5,000 per month. The card offers a generous grace period of up to 55 days for interest-free payments, with the interest rates and fees tailored to your specific circumstances.

What sets the Nedbank Gold Credit Card is that it provides a cost-effective means to access credit. Furthermore, it offers the enticing incentive of Greenbacks rewards with every purchase, adding significant value to your financial transactions. With this card, your spending becomes even more rewarding. Enjoy a 50% discount on Nu Metro movie tickets and receive 25 cents back for every litre of fuel purchased at BP when using your Greenbacks-linked card. Plus, earn Greenbacks on all eligible expenses and utilise your Greenbacks card at establishments that accept American Express. In addition to discounts at restaurants and savings on travel expenses such as car rentals, flights, and accommodations, you’ll find special offers on a variety of items, including shopping, airtime, data vouchers, and electricity.

The Nedbank Greenbacks card is versatile, allowing you to make small monthly payments and spread costs over time. Additionally, you have the freedom to adjust your borrowing limits as needed. The card is accepted at a various locations, encompassing physical stores, online retailers, ATMs, and international destinations.

Nedbank believes that safety is of paramount importance. This is why you receive SMS alerts for all your transactions and have the flexibility to modify your limits through the Nedbank Money app. Additionally, you can effortlessly block, replace, freeze, or unfreeze your card using the Money app or cellphone banking.

Like any other credit card, the Nedbank Gold Credit Card requires applicants to be at least 18 years old, reside in South Africa, and possess a valid South African ID or passport, along with a valid work permit. Monthly income should exceed R5,000 before taxes, and a healthy credit score is advantageous. You must also have your last three months’ payslips or bank statements.

Why choose the new Nedbank Gold Credit Card?

• Get an affordable credit solution
• Earn Greenbacks on all eligible spend
• Complimentary card delivery

In summary, the Nedbank Gold Credit Card offers an affordable, rewarding, and user-friendly solution for your financial needs.

Standard Bank Gold Credit Card

The Gold Credit Card offers simple, affordable credit with great benefits. This card offers another layer of value by allowing you to earn UCount Rewards Points with every purchase. Accumulate these points over time and exchange them for a variety of items and experiences, adding an extra layer of benefits to your spending. With a competitive interest rate and value-added services. What’s more, you won’t incur any interest charges if you pay off your outstanding balance in full within 55 days, promoting responsible credit card management and boosting your credit score.

Standard Bank’s Ucount rewards system incentivises customers to shop at its retail partners. Your Gold credit card includes a number of advantages in terms of travelling, lifestyle and insurance.

Find out how to access and enjoy these benefits:

• Get up to 20%* off on Emirates flights when you book through Leisure Desk
• Access handpicked experiences and offers in cities around the world with Priceless Cities
• Get up to 10%* cash back when you book on Booking.com using your Credit Card and enjoy 10% off all hard and softshell luggage from Gopals
• Enjoy up to 20% off flight prices anywhere in the world when you visit Travelstart and book with your Credit Card
• Get 15%* off wine, coffee, olive oils and more when you purchase online at Wine-of-the-Month Club
• Get access to food and lifestyle offers on the Priceless Specials MEA App
• Enjoy 2* months of Lingokids for free for new users and thereafter get 30%* off monthly subscriptions for new and existing customers
• Enjoy 25% discount on your first Fiit subscription payment with your Credit Card
• Unlock your potential with UNICAF and get 75% scholarship off your program tuition fees when you pay using your Credit Card after admission
• Get up to 10%* discount on surgeries & procedures when you pay with your Eligible Mastercard for Medical Tourism Concierge

What’s more, with a monthly fee of R63.00 and a minimum monthly income requirement of R5,000, this card offers affordability without breaking the bank. One of the standout features of the Blue Credit Card is its generous credit limit of up to R250,000, giving you the financial flexibility you need when you need it. The card has a personalised interest rate, ensuring that the terms of your card are tailored to your unique financial situation. The monthly repayment on your credit card is a minimum of 3% of your outstanding balance.

The Gold Credit Card is accepted globally thanks to its Mastercard with chip and PIN. You can use it in millions of shops and ATMs around the world. It also incorporates 3D Secure verification for secure online purchases and offers the convenient Tap to Pay™ feature for in-store purchases of R500 or less. You can further enhance your payment options by linking your card to the SnapScan or Masterpass apps for fast and secure mobile payments. Alternatively, if you’re new to Standard Bank, the application process is simple. Simply fill in the necessary forms and provide essential documents such as your South African ID, payslip, bank statements and proof of residence. As long as you fulfil the income requirement of R5,000 or more per month and are over 18 years of age, you are eligible to apply.

In conclusion, the Gold Credit Card stands out as a simple, affordable and flexible credit facility that meets your financial needs. With its digital features, security measures and rewards programme, it perfectly combines modern banking convenience with the guarantee that your credit card debt can be covered in difficult times. Whether you’re already a Standard Bank customer or are new to the bank, obtaining this card is simple, making it a practical choice for many people looking for reliable financial support.

FNB Aspire Credit Card

The FNB Aspire Credit Card offers a number of advantages designed to simplify your financial life and give you peace of mind, as well as good eBucks benefits. The amount of points you accumulate in a given month determines your level of rewards in the eBucks programme based on the FNB tiers. By carrying out routine tasks, such as filling up your car, buying groceries and health and beauty products, you can accumulate points. Your eBucks can be used to fund additional purchases, with ten eBucks points equalling one rand. The eBucks points plan also offers discounts on international travel and on products from your own eBucks shop.

In addition, one of its standout features is its ability to provide a safety net during difficult financial situations. It acts as a reliable fallback option when you need it most. What’s more, it offers free travel insurance when you use it to pay for your trips, guaranteeing your protection as you explore new destinations. In the event of unforeseen medical expenses, the FNB Aspire Credit Card can step in to help you.

Qualifying for eBucks Rewards has become easier with FNB

To earn these rewards, you need to have an FNB Aspire Account and meet certain criteria every month. You can qualify by depositing a minimum amount of money into your account, maintaining good standing across your FNB accounts, and making at least one payment, transfer, or purchase on the FNB App. Once you qualify, you can enjoy various benefits, such as earning eBucks when you spend money at partner stores like Checkers, Clicks, Engen, and Intercape, as well as getting rewards for learning from home, staying connected, travelling, saving, and spending time with your family. The more you engage with FNB, the more rewards you can unlock, and there’s even a “Boost my rewards” program for additional perks like a monthly KAUAI smoothie and a voucher for a new pair of shoes. Seniors over 60 also get special benefits like faster eBucks earnings at Clicks on Wednesdays and extra data on FNB Connect SIM cards. Additionally, you can unlock SLOW Lounge visits when booking flights through eBucks Travel with your FNB Aspire Credit Card. Remember, the eligibility criteria vary depending on your account type, so it’s essential to meet the specific requirements to enjoy these rewards.

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The card is easily manageable through the user-friendly app, even if it’s lost or misplaced. Aspire offers personalized interest rates, provides up to 55 days to pay without incurring interest charges, and includes practical features like budget tools, automated payments, and balance transfers. You can effortlessly monitor your finances through various channels, including the FNB app, online banking, cellphone banking, and contactless payments.

Eligibility for The FNB Aspire Credit Card is within reach for individuals earning between R84,000 and R449,999 annually. Applying for the card is convenient, with multiple options such as online applications, requesting a callback, contacting FNB, visiting a branch, or utilizing the FNB Banking App. To streamline the process, ensure you have your recent pay slip, three months of bank statements, your South African ID, and proof of residence readily available.

In conclusion, The FNB Aspire Credit Card stands as a reliable financial companion, offering a wide array of benefits to simplify your monetary affairs and provide added security. With its impressive rewards, ease of use, and commitment to safeguarding your finances, this card is a valuable addition to your wallet.

4 best credit cards – high limit

Discovery purple wealth suite

The Discovery Bank’s Purple Suite is a premium banking package tailored for individuals with a yearly income exceeding R2.5 million, equivalent to roughly R208,000 per month. Priced at R644 per month, this suite also has an annual card fee of R3,500, offering exclusive financial services and benefits to its discerning clientele.

One of the stand-out features of the Purple Suite is its exceptional cashback and discount offers. Clients can enjoy up to a remarkable 75% cashback on purchases of healthy food items, a notable incentive for those seeking a healthier lifestyle. Moreover, the Purple Suite provides up to a 75% discount on local flights, making travel within South Africa more affordable. For globetrotters, the Purple Suite offers the same impressive 75% discount on international flights, enjoy free international travel insurance, free and unlimited airport lounge access worldwide, ensuring a luxurious and comfortable travel experience, everytime.

The borrowing rate offered with the Discovery Purple Wealth Suite is another attractive feature: up to 2.5% interest on your positive balances in your day-to-day accounts. Dynamic interest rates also provide flexibility in managing interest rates, offering up to 7.25% interest on savings and up to 7% less interest on loans, a feature that promotes responsible financial management. As an added bonus, customers who meet their weekly Vitality Active Rewards targets can receive a free Apple Watch.

Flexible credit facility

The suite includes a transaction account paired with a flexible credit facility. For a single monthly fee, clients can conduct unlimited transactions and access free savings accounts. Additionally, the Real-Time Forex Accounts feature allows 24/7 access via the banking app at no extra charge to the client.

Clients of the Purple Suite benefit from a dedicated relationship banker, as well as access to the Discovery Purple Servicing channel and the Discovery Purple Concierge team, ensuring personalized and efficient service. Furthermore, adopting healthier habits and responsible spending can earn clients valuable Discovery Milles, which can be redeemed for discounts on groceries, personal care items, and more. The option to get up to 30% off with partner merchants and rewards when using Discovery Miles further enhances the value of this suite.

The Discovery Bank Purple Suite also boasts a user-friendly app, offering access to a wide range of banking features, comprehensive benefits, and enhanced security features. Additionally, the Discovery Miles Account adds another layer of convenience and rewards to the suite, further enhancing the overall banking experience.

In summary, the Discovery Bank Purple Suite is designed to provide an exceptional banking experience for high-income individuals seeking personalized service, travel perks, and great rewards. With its exclusive benefits and a focus on convenience and luxury, it is an ideal choice for those who value premium banking services and luxury.

FNB Private Wealth Credit Card

The FNB Private Wealth Credit Card is something special for people who want more from their bank. To get the Private Wealth Credit Card, you need to earn at least R1 million a year or have assets worth more than R15 million. Here’s the thing it’s not just a regular credit card; it’s a metal one that’s super tough and good for the environment. This card is all about making you feel unique and giving you great banking perks.

However, it’s not just about having a fancy card; it’s also about the benefits you get. With the Private Wealth Credit Card, you can join the eBucks Lifestyle club. This means you get a dedicated service team to help you live your best life.

Now, let’s talk about travel. FNB Private Wealth wants to make your trips amazing. They can help you book flights and hotels, so your journey is smooth and enjoyable.

If you have a Private Wealth account, you also get eBucks Rewards. It’s like getting free stuff just for being a member. You can earn even more eBucks when you use your Private Wealth Credit Card or other FNB cards like FNB Fusion Private Wealth Debit and Credit Cards. Just know that it might take a couple of days for your eBucks to show up.

Thinking about getting both the Private Wealth Debit and Credit Cards? That’s a good idea because you’ll get even more perks, like free extra cards and better rewards. And you’ll only pay one fee for all of it.

Now, let’s dive into what makes the Private Wealth Credit Card so great:

• Airport Lounge Access: Feel fancy and relaxed before your flight;
• Global Travel Insurance: Stay safe while you explore the world;
• Flexible Budget Facility: Manage your money your way;
• Personalized Interest Rates: Get a deal that suits you;
• Up to 55 Days Interest-Free: Pay back what you owe without extra charges;
• Automated Payment Options: Make your life easier with automatic payments;
• Automatic Debt Protection: When life happens, be prepared for unexpected events.

Banking is super easy with this card. You can do it 24/7 through the FNB Banking App. Plus, you get your very own Private Advisor who can help you with all your banking needs. Online Banking is always open, and you can make quick and secure payments with FNB Pay. The Contactless Card feature makes payments quick and simple too.

FNB also has something cool called the Virtual Card on their app. It’s a super safe way to pay online or in stores worldwide. You can make multiple virtual cards for free, and each one has a changing security code to keep you safe. These virtual cards work with FNB Pay and other payment systems like Apple Pay and Google Pay. You even earn eBucks while you spend online and get FNB Purchase Protect for free.

You can apply through the FNB Banking App, talk to your Private Advisor if you’re already a customer, call 087 730 6000, or visit a Private Wealth office. Just make sure you have some important documents ready, like your South African ID or passport, proof of where you live, and recent payslips or bank statements.

In a nutshell, the FNB Private Wealth Credit Card is not your ordinary card. It’s a tough, eco-friendly metal card that comes with tons of benefits. Whether you’re travelling, shopping, or just managing your finances, this card has you covered.

Standard Bank Platinum Credit Card

In today’s fast-paced world, financial flexibility and exclusive privileges are more important than ever. That’s why Standard Bank has a Platinum Credit Card – your key to a world of exceptional advantages and benefits that are tailored to meet your unique needs and lifestyle.

To qualify for the Platinum Credit Card, you need to have a monthly income of at least R58,000. There is a nominal monthly fee of R108, but if you are a valued Private Banking client with Standard Bank, this fee is waived, further enhancing the exclusivity of this card. With the Standard Bank Platinum Credit Card, you’ll enjoy access to a substantial credit limit of up to R250,000, depending on your individual financial circumstances and credit profile.

• This generous limit empowers you to make substantial purchases or manage unexpected expenses with ease.

Standard Bank’s commitment to tailoring your financial experience extends to the interest rate on your Platinum Credit Card. Your rate will be personalized based on your creditworthiness, ensuring that you receive competitive terms.

• The Platinum Credit Card is more than just a financial tool; it’s your passport to an array of exclusive privileges.

Enjoy up to 20% off Emirates flights when booked through the bank’s Leisure Desk, as well as significant discounts on international car rentals with Avis. Access hand-picked experiences and offers worldwide with Priceless Cities, and earn up to 10% cashback when booking through Booking.com. Plus, indulge in discounts at ProGifts and Wine-of-the-Month Club online purchases.

Your Standard Bank Platinum Credit Card opens doors to a world of lifestyle advantages. Get 15% off at Wine-of-the-Month Club and enjoy reduced shipment costs when shopping from U.S. online stores through MyUS. Exclusive offers at 9 European shopping centers via Bicester Collection and a special Wi-Fi deal make your life even more enjoyable. Plus, earn UCount Rewards Points with every Credit Card purchase and access complimentary Silver status membership with Legacy Lifestyle Rewards.

With the Standard Bank Platinum Credit Card, you’re covered with automatic basic Travel Insurance, protection against ATM robbery or forced cash withdrawal, and Purchase Protection for secure Credit Card swipes. You can also opt for a Credit Card Protection Plan to safeguard your debt in unfortunate events.

The Standard Bank Platinum Credit Card boasts state-of-the-art features, including Chip- and PIN-enabled Mastercard functionality, accepted at millions of merchants and ATMs worldwide. Customization is at your fingertips with the ability to set a single limit for straight and budget facilities, and adjust your credit limit as needed. Benefit from up to 55 days of interest-free grace period when you settle your account in full. The minimum monthly repayment is just 3% of the outstanding balance, with a one-time initiation fee of R180.

Applying for the Platinum Credit Card is straightforward. You’ll need to provide a copy of your South African ID or passport (if not a South African citizen), a recent payslip, three months’ bank statements, and proof of residence not older than three months. Applicants must be at least 18 years old, with approval subject to credit checks and FICA requirements.

In conclusion, the Platinum Credit Card offers you an unparalleled level of private banking service and exclusive benefits, making it an invaluable addition to your financial toolkit.

Capitec Global One Credit Card

Capitec, a well-known financial institution, offers a versatile credit card designed to meet your unique financial needs. One standout feature of the Capitec Credit Card is its personalized approach to credit limits. The card is customized to your financial situation, allowing you access to credit limits of up to R500,000. This flexibility ensures you can manage your financial responsibilities comfortably while enjoying the convenience of a credit card. Too get free delivery and cash back on your monthly spend.

Interest is another critical aspect of any credit card, and Capitec excels in this regard. With a Capitec credit card, you can earn interest on any positive balance in your account, helping you maximize your finances. Moreover, you can benefit from up to 55 days of interest-free purchases, providing ample time to settle your bills without incurring unnecessary interest charges. To qualify for a Capitec credit card, you’ll need to provide essential documents like your ID, recent salary slip, and a bank statement reflecting the last three salary deposits. Your monthly income must be between R5,000 and R10,000 to fulfil the eligibility criteria.

Card benefits

When it comes to international usability, the Capitec credit card stands out. Online shopping is not only convenient but also secure, ensuring your financial transactions remain protected. Additionally, you can use your card worldwide without worrying about extra fees or currency conversion charges for international payments. This makes it an excellent choice for both local and international transactions.

For travellers, the Capitec credit card provides peace of mind with its international travel insurance coverage, free travel insurance up to R5 million. This insurance plan protects against unexpected medical expenses while abroad.

Managing your Capitec credit card is effortless thanks to their user-friendly app. With this app, you can adjust daily limits, transfer balances, and monitor your transaction history and credit limits. This level of control empowers you to stay on top of your finances and make informed decisions.

In summary, the Capitec credit card is a versatile and convenient financial tool that adapts to your unique financial situation. With tailored credit limits, interest-earning potential, international usability, travel insurance, and easy management through the app, it’s an excellent choice for a wide range of financial needs. Whether you’re a frequent traveller or simply seeking a flexible credit solution that stretches your buck through cashback rewards, this card is for you.