Compare Best Credit Cards in South Africa
Find the best credit card in South Africa may seem like an easy task to accomplish, but it is extremely important to compare before you choose.
At these present time in South Africa we have many credit card providers apart from FNB (First National Bank), Standard Bank, Nedbank, ABSA and Capitec Bank.
We've done our homework and created a list of the best and most popular credit cards in the nation, taking into account things like fees, interest rates, rewards programmes, and overall value.
We've got you covered whether you're a regular traveller, a cashback fanatic, or just need a card with a low interest rate.
Capitec Credit Card
The Capitec Credit Card, currently referred to as the Capitec Black Card, is available to anybody over the age of 18, who is working and making at least R3000 per month.
A credit sum of up to R250 000 may be offered to higher incomes with a strong credit score.
| Capitec Credit Card Benefits |
|---|
| Zero fees on online purchases. |
| Manage card on App. |
| A monthly service fee of R40.00. |
| Interest Rate of between 7.00% and 17.50% per annum |
| 55 Days interest-free period. |
| Personalised credit based on |
| Cashless payments worldwide. |
ABSA Student Credit Card
Anyone who has a minimum monthly salary or allowance of R800, a current South African ID book, or a smart card as proof of residency is eligible for an Absa student credit. Students may also apply for credit cards.
| ABSA Student Credit Card Benefits |
|---|
| ABSA rewards |
| Exclusive Visa benefits |
| No Transaction fees on purchases |
| Digital Banking |
| Travel Insurance |
| Free lost card protection |
Nedbank Platinum Credit Card
Why pick a Nedbank Platinum Credit Card, one might wonder?
Simply put, the credit card provides excellent credit possibilities and benefits to its users.
| Nedbank Platinum Credit Card Benefits |
|---|
| Manage your card with the Online App or Online Banking |
| Scan to Pay using QR codes |
| Use your card in-store, online, at ATMs or abroad |
| R57 monthly service fee |
| Credit facility fee from R26 monthly |
| Complimentary replacement card |
| Zero charges on card swipes |
Nedbank Gold Credit Card
The Nedbank Gold Account is best for your few transactions.
A Savvy Plus Account is available, and additional advantages can be added at any time.
You must be 18 years of age or older and have a monthly income of at least R3000 that is not from a trust, business, or other legal entity to be eligible.
Possibly the simplest credit card to obtain in South Africa is the Nedbank Gold Credit Card.
| Nedbank Gold Credit Card Benefits |
|---|
| SMS notifications. |
| eStatements |
| The option of an overdraft facility |
| A Gold cheque card |
| Unlimited card swipes |
| Unlimited stop/ debit orders |
FNB Gold Credit Card
You must be 18 years of age or older and have an annual income between R120 000 and R340 000 to be eligible for a FNB Gold Credit card.
| FNB Gold Credit Card Benefits |
|---|
| FNB Banking App |
| Higher credit limit between R10 000 and R60 000 |
| 55 days interest-free |
| Double ebucks on purchases |
| Free Global Travel Insurance |
| 8% fixed interest rate |
| R4.95 monthly fee |
| Unlimited free swipes and can withdraw cash from selected supermarkets |
| Free Cellphone banking subscriptions |
| -online banking |
| -telephone banking |
Standard Bank Tianium Credit Card
The Standard Bank Titanium Credit Card is best suited for professionals and recent grads.
You must be at least 18 years old and make at least R25 000 per month to be eligible for access.
It also applies if you hold a 3-year undergraduate degree and a postgraduate degree and make R5000 per month.
| Standard Bank Tianium Credit Card Benefits |
|---|
| 20% off Emirates flights |
| Booking.com cashback |
| 15% off international car rentals |
| R79 monthly fee. |
| R250 000 credit limit. |
| 15% off offline purchases. |
| Mastercard Priceless specials. |
| Free Basic travel insurance |
Bluebeam Black Credit Card
One can apply for credit with Bluebeam Credit Card, a Standard Bank affiliate, at any institution.
Anywhere a Mastercard sign is visible, one can use their card.
| Bluebeam Black Credit Card Benefits |
|---|
| A convenient debit order to automatically pay your account every month. |
| Automatic bill payment. |
| Free International emergency card replacement. |
| Accident and health insurance. |
| Free lost card protection. |
| 55 Days' interest fee credit on balances paid in full. |
| Use cards at filling stations. |
| Access to Bluebeam Lifestyle benefits. |
| Secure Online Shopping. |
African Bank Gold Credit Card
The safest and most practical method to make purchases is with an African Bank Gold Credit Card.
| African Bank Gold Credit Card Benefits |
|---|
| Medical and Legal referral |
| 3% interest back. |
| No charges in any store in South Africa. |
| Covered with the African Bank Life Insurance. |
| Emergency services. |
