Credit cards & borrowing
Compare Credit Cards in South Africa
Explore credit cards from South African banks. Compare published fees, income requirements, rewards, interest-free periods and card benefits to better understand your options.
Card approval, credit limits and interest rates depend on the issuer's credit and affordability assessment. Published card features and fees may change.
Checked by the WiT Money editorial team on 28 October 2026. None of these cards is marked as open for new applications. No rating, ranking or popularity claim is attached.
Credit card products
21 cards across seven bank brands, checked on 28 October 2026. American Express cards issued with Nedbank stay on Nedbank's website. The button opens the bank homepage, not an application form.
21 research cards. Meeting a published income threshold does not guarantee approval. A fee filter hides only a published card fee above the amount you enter. Package fees, from-prices and figures that are not all-in stay visible. A card with no published interest-free period also stays visible.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R69 a month. Combined account, facility or monthly-total figure.
- Minimum income
- R7 000 a month
- Interest-free purchases
- Up to 57 days on qualifying purchases. Cash withdrawals are excluded.
- Purchase interest
- Personalised
- Rewards not recorded
- Travel benefit recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Up to 57 interest-free days
- travel cover subject to conditions
Limitations
- R69 monthly fee includes R30 facility fee
- minimum payment does not avoid interest
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- R39 account + R30 facility
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R115 a month. Combined account, facility or monthly-total figure.
- Minimum income
- R25 000 a month
- Interest-free purchases
- Up to 57 days on qualifying purchases. Cash withdrawals are excluded.
- Purchase interest
- Personalised
- Rewards not recorded
- Travel benefit recorded
- Lounge access recorded
- Cashback not recorded
Advantages
- Lounge visits and travel cover subject to spend and benefit rules
Limitations
- Higher income requirement
- R115 monthly fee
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- R85 account + R30 facility
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R220 a month. Combined account, facility or monthly-total figure.
- Minimum income
- R62 500 a month
- Interest-free purchases
- Up to 57 days on qualifying purchases. Cash withdrawals are excluded.
- Purchase interest
- Personalised
- Rewards not recorded
- Travel benefit recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Private banker and premium travel benefits subject to conditions
Limitations
- High income requirement and monthly fee
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- R190 account + R30 facility
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R50 a month. Published monthly fee.
- Minimum income
- R1 800 a month
- Interest-free purchases
- Up to 55 days on qualifying purchases. Cash withdrawals are excluded.
- Purchase interest
- 10.75%–21.25% (credit-profile dependent)
- Rewards not recorded
- Travel benefit not recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Low stated income threshold
- 55 interest-free days on qualifying purchases
Limitations
- Interest is personalised
- initiation fee and monthly fee apply
View card details
- Initiation fee
- R100
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Official live card
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R275 a month. Combined account, facility or monthly-total figure.
- Minimum income
- Not published
- Interest-free purchases
- Not published. This is not a cash-advance rule.
- Purchase interest
- Personalised
- Rewards not recorded
- Travel benefit not recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Black Visa Signature
- premium Discovery ecosystem
Limitations
- R275 monthly total
- variable transactions
- initiation can be higher
View card details
- Initiation fee
- R165
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- 2026 pricing: initiation up to R165 if limit <R2000, otherwise R240; PDF fee schedule
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R125 a month. Not confirmed as the full monthly cost.
- Minimum income
- R8 333.33 a month, derived from a published annual lower bound
- Interest-free purchases
- Up to 55 days on qualifying purchases. Cash withdrawals are excluded.
- Purchase interest
- Personalised
- Rewards recorded
- Travel benefit not recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Account and credit-card functions with Vitality Money programme
Limitations
- Rewards depend on participation
- usage-based transaction charges extra
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Income source is R100,000 annual lower bound
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R180 a month. Not confirmed as the full monthly cost.
- Minimum income
- R29 166.67 a month, derived from a published annual lower bound
- Interest-free purchases
- Up to 55 days on qualifying purchases. Cash withdrawals are excluded.
- Purchase interest
- Personalised
- Rewards recorded
- Travel benefit recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Integrated transactional capabilities and travel/rewards features
Limitations
- R180 monthly fee plus applicable transaction charges
- benefits conditions
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Income source is R350,000 annual lower bound
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R65 a month. From-price, not a guaranteed fee.
- Minimum income
- R3 500 a month, derived from a published annual lower bound
- Interest-free purchases
- Not published. This is not a cash-advance rule.
- Purchase interest
- Personalised
- Rewards not recorded
- Travel benefit not recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Entry card for published R42,000–R450,000 annual income band
Limitations
- Monthly fee is a from-price
- full fee guide and rates require checking
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Annual income R42,000–R450,000; monthly income shown as annual lower bound / 12
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R125 a month. From-price, not a guaranteed fee.
- Minimum income
- R25 000 a month, derived from a published annual lower bound
- Interest-free purchases
- Not published. This is not a cash-advance rule.
- Purchase interest
- Personalised
- Rewards recorded
- Travel benefit not recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Rewards ecosystem and higher card tier
Limitations
- From-price monthly fee
- income band and reward conditions apply
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Annual income R300,000–R749,999
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R210 a month. From-price, not a guaranteed fee.
- Minimum income
- R62 500 a month, derived from a published annual lower bound
- Interest-free purchases
- Not published. This is not a cash-advance rule.
- Purchase interest
- Personalised
- Rewards not recorded
- Travel benefit not recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Private-client benefits and premium service
Limitations
- Higher income band
- fee is from-price
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Annual income R750,000–R1,799,999
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R380 a month. From-price, not a guaranteed fee.
- Minimum income
- R150 000 a month, derived from a published annual lower bound
- Interest-free purchases
- Not published. This is not a cash-advance rule.
- Purchase interest
- Personalised
- Rewards not recorded
- Travel benefit not recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- High-tier private-wealth card
Limitations
- R1.8m annual income lower bound
- from-price fee
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Annual income ≥R1.8m
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R705 a month. Private-banking package fee, not a card-only price.
- Minimum income
- R66 666.67 a month
- Interest-free purchases
- Up to 45 days on qualifying purchases. Cash withdrawals are excluded.
- Purchase interest
- Prime-linked
- Rewards not recorded
- Travel benefit not recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Visa Platinum linked to private banking
- up to 45 interest-free days
Limitations
- R705 package fee is for bundled private banking, NOT standalone card pricing
- high income requirement
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Package includes banking and credit card; fee cannot be compared as card-only fee
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R145 a month. From-price, not a guaranteed fee.
- Minimum income
- R17 000 a month
- Interest-free purchases
- Up to 55 days on qualifying purchases. Cash withdrawals are excluded.
- Purchase interest
- Personalised
- Rewards recorded
- Travel benefit not recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Membership Rewards and merchant offers subject to conditions
Limitations
- Amex merchant acceptance differs from Visa/Mastercard
- higher fee
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Service and facility fee from R145
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R535 a month. Published monthly fee.
- Minimum income
- R62 500 a month
- Interest-free purchases
- Up to 55 days on qualifying purchases. Cash withdrawals are excluded.
- Purchase interest
- Personalised
- Rewards recorded
- Travel benefit recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Membership Rewards and international travel benefits
Limitations
- R535 monthly cost
- R199 or R219 initiation depending on limit
- Amex acceptance considerations
View card details
- Initiation fee
- R199
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Initiation R199 up to R10,000 limit, else R219
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R65 a month. Combined account, facility or monthly-total figure.
- Minimum income
- R5 000 a month
- Interest-free purchases
- Up to 55 days on qualifying purchases. Cash withdrawals are excluded.
- Purchase interest
- Personalised
- Rewards recorded
- Travel benefit not recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Lower published qualifying income
- Greenbacks eligibility
Limitations
- R65 combined published maintenance/service fee
- optional rewards fees may apply
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Review current 2026 pricing guide
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R110 a month. From-price, not a guaranteed fee.
- Minimum income
- R25 000 a month
- Interest-free purchases
- Up to 55 days on qualifying purchases. Cash withdrawals are excluded.
- Purchase interest
- Personalised
- Rewards recorded
- Travel benefit recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Travel and Greenbacks-related benefits
Limitations
- Fee published as from R110
- eligibility subject to assessment
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- From-price; fee guide check
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R68 a month. Not confirmed as the full monthly cost.
- Minimum income
- R6 600 a month
- Interest-free purchases
- Up to 55 days on qualifying purchases. Cash withdrawals are excluded.
- Purchase interest
- Personalised
- Rewards recorded
- Travel benefit recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Voyager miles and travel-related rewards
Limitations
- Programme terms and facility charges must be checked separately
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Official bank listing; R68 service fee and R31 facility fee may be separate; do NOT represent R68 as all-in
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R193 a month. Not confirmed as the full monthly cost.
- Minimum income
- R25 000 a month
- Interest-free purchases
- Up to 55 days on qualifying purchases. Cash withdrawals are excluded.
- Purchase interest
- Personalised
- Rewards recorded
- Travel benefit recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Voyager programme and companion-ticket benefits subject to rules
Limitations
- R193 service fee and separate R36 facility fee may apply
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Not necessarily all-in monthly cost
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R64 a month. Published monthly fee.
- Minimum income
- R5 000 a month
- Interest-free purchases
- Up to 55 days on qualifying purchases. Cash withdrawals are excluded.
- Purchase interest
- Personalised
- Rewards not recorded
- Travel benefit not recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Entry-level bank card
- up to 55 interest-free days on qualifying purchases
Limitations
- R200 initiation and ongoing monthly fee
- financing costs vary
View card details
- Initiation fee
- R200
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Official product page
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R140 a month. Published monthly fee.
- Minimum income
- R58 000 a month
- Interest-free purchases
- Up to 55 days on qualifying purchases. Cash withdrawals are excluded. The source still asks for card-specific confirmation.
- Purchase interest
- Personalised
- Rewards not recorded
- Travel benefit recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Premium travel and card benefits
Limitations
- Higher monthly fee and minimum income
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Interest-free days need card-specific confirmation
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Research record, 28 October 2026. Not signed off as a live offer. NCR registration was not independently checked.
- Monthly figure
- R110 a month. Published monthly fee.
- Minimum income
- R25 000 a month
- Interest-free purchases
- Up to 55 days on qualifying purchases. Cash withdrawals are excluded. The source still asks for card-specific confirmation.
- Purchase interest
- Personalised
- Rewards not recorded
- Travel benefit recorded
- Lounge access not recorded
- Cashback not recorded
Advantages
- Travel-oriented benefits
- postgraduate-degree alternative mentioned by bank
Limitations
- R110 monthly fee
- qualifying conditions on travel perks
View card details
- Initiation fee
- Not published
- Cash withdrawal and foreign exchange
- Varies / verify fees guide
- Insurance and other charges
- Verify issuer guide
- Credit limit
- Personalised after affordability assessment
- Eligibility
- Subject to credit and affordability assessments
- Pricing note
- Income alternative: postgraduate degree; interest-free window check product guide
- Verification
- Published product terms; NCR number not independently checked
You are leaving WiT Money and visiting the issuer's official website. Card terms, fees and eligibility should be confirmed with the issuer.
Not listed as current offers
These names are not shown as current offers. They are not comparison cards and they are not invitations to apply.
African Bank
Product research needed
A bank is not automatically proof of an actively offered credit card
Research source (opens in a new tab)TymeBank
Unverified credit-card product
Third-party lists may misclassify debit/banking products as credit cards; official product confirmation required
Research source (opens in a new tab)Bank Zero
Unverified credit-card product
Bank/debit capability must not be presented as revolving consumer credit without primary evidence
Research source (opens in a new tab)RCS Credit Card
Discontinued
RCS says card purchases and cash withdrawals stopped 30 September 2025; do not list as current
Research source (opens in a new tab)Diners Club cards via Standard Bank
Additional research
Card and charge-card product mechanics differ; research individual current product and current pricing
Research source (opens in a new tab)Standard Bank Blue Credit Card
Additional research
Official listing exists; extract card-specific 2026 fees and income before publication
Research source (opens in a new tab)Standard Bank World Citizen Credit Card
Additional research
Officially listed; detailed pricing and eligibility still need confirmation
Research source (opens in a new tab)
Explore credit card types
Everyday credit cards
General purchases and routine spending. These cards are grouped as everyday products.
Capitec Credit Card, Absa Gold Credit Card, Standard Bank Gold Credit Card, FNB Aspire Credit Card, Nedbank Gold Credit Card, Discovery Bank Gold Credit Card Account.
Low published card fees
Only cards with a published monthly card fee of R70 or less. Package fees, from-prices and figures that are not the full monthly cost are left out, even if the number looks small.
Capitec Credit Card, Standard Bank Gold Credit Card.
Rewards credit cards
A loyalty, Greenbacks, Vitality, Voyager or Membership Rewards benefit is recorded. Conditions still apply.
FNB Premier Credit Card, Nedbank Gold Credit Card, Nedbank Platinum Credit Card, Nedbank American Express Gold Credit Card, Nedbank American Express Platinum Credit Card, Nedbank SAA Voyager Gold Credit Card, Nedbank SAA Voyager Premium Credit Card, Discovery Bank Gold Credit Card Account, Discovery Bank Platinum Credit Card Account.
Cashback credit cards
No card on this page states a cashback benefit. The category is not used to fill a gap.
None on this page.
Travel credit cards
Travel, lounge, Voyager or companion-ticket wording appears in the product notes. Benefits depend on spend and programme rules.
Absa Gold Credit Card, Absa Premium Banking Credit Card, Absa Private Banking Credit Card, Standard Bank Titanium Credit Card, Standard Bank Platinum Credit Card, Nedbank Platinum Credit Card, Nedbank American Express Platinum Credit Card, Nedbank SAA Voyager Gold Credit Card, Nedbank SAA Voyager Premium Credit Card, Discovery Bank Platinum Credit Card Account.
Premium credit cards
Cards grouped as premium. A higher fee or income figure often comes with them.
Absa Premium Banking Credit Card, Standard Bank Titanium Credit Card, Standard Bank Platinum Credit Card, FNB Premier Credit Card, Nedbank Platinum Credit Card, Discovery Bank Platinum Credit Card Account, Discovery Bank Black Credit Card Account.
Private banking credit cards
Cards grouped as private banking, including the Investec package that is not a card-only price.
Absa Private Banking Credit Card, FNB Private Clients Credit Card, FNB Private Wealth Credit Card, Investec Private Bank Visa Platinum Credit Card.
Entry-level wording
Only where the product notes themselves say entry or entry-level. This is not a student-card category. No student credit card was verified.
Standard Bank Gold Credit Card, FNB Aspire Credit Card.
Credit card repayment illustration
The starting example is an illustration: R10 000 at 20% a year for 12 months, a R50 monthly fee and a R100 upfront fee. Change the inputs. Cash advances and balance transfers are excluded. This is not a bank quotation.
Fixed-term illustration
- Estimated instalment
- R926.35
- Estimated monthly total, with the fee
- R976.35
- Interest over the term
- R1 116.14
- Monthly fees over the term
- R600.00
- Upfront fee
- R100.00
- Total estimated amount paid
- R11 816.14
The rate is whatever you type. It is not looked up from a bank. Interest compounds monthly on a falling balance. The model assumes no new purchases, no cash advances and no balance transfers. An interest-free period applies only to qualifying purchases that are settled in full by the due date. Issuer statements can use daily balances and their own payment allocation, so this will not match a statement exactly.
What does a credit card really cost?
The interest rate and the total cost are different things. A personalised purchase rate tells you nothing about the monthly fee, and a low monthly fee tells you nothing about the interest if you carry a balance.
Costs that can apply, when the agreement says so, include a monthly or annual card fee, a separate account or facility fee, initiation, interest on an unpaid balance, cash-withdrawal charges, international transaction and currency-conversion charges, late or default charges, optional or compulsory insurance, and a supplementary-card fee. Reward programmes can also require a spend level, an opt-in or a fee of their own.
Where a fee was not confirmed, the card says so. Cash and foreign fees are described as varying until the issuer guide is checked. Insurance is something to verify. A blank was not turned into R0. The lowest number on a card is not the cost of owning it. Pricing guides linked from each card's details are the place to confirm the current tariff.
How to choose a credit card in South Africa
Check the budget first. A card has to fit the repayments and the fees after rent, food and existing debit orders. The limit the bank might offer is not the amount you should spend.
Read the interest as personal. Most cards here publish a personalised rate, or a range, or a prime-linked description. The rate in an agreement is the one that applies to you.
Treat interest-free days as conditional. The day count is a maximum on qualifying purchases. Paying the minimum, or taking cash, is a different transaction.
Add the fees the headline leaves out. Absa's researched figures split an account fee and a facility fee. Voyager cards warn that the service fee is not the whole monthly cost. Investec's R705 figure is a private-banking package.
Value rewards only on the terms written down. Points, miles and Vitality features have qualification rules. This page does not convert them into a rand saving.
Use income figures as thresholds. FNB and Discovery monthly amounts shown here are annual lower bounds divided by 12. They are labelled that way. Crossing the line does not approve the card.
Plan past the minimum. The minimum keeps the account from falling into arrears. It is a poor way to clear a purchase balance, because interest continues on what remains.
Confirm the bank on its own site. Use the homepage on the card and the product source in the details. A logo is not an NCR registration.
Protect the card. Do not share the PIN or a one-time password. Check statements for payments you do not recognise, and use the bank's own number if a card is lost. WiT Money does not insure a card or freeze one.
Consumer protection
A credit provider that falls under the National Credit Act assesses affordability and supplies the pre-agreement disclosure for the agreement it offers. This comparison is not that quotation, and it does not set a credit limit or an interest rate.
NCR registration still has to be checked against the regulator's own records. No registration number is shown here as verified. Legal entities behind the trading names were not separately confirmed for publication.
Missed payments can lead to arrears costs and a bureau record. Complaints start with the issuer. The National Credit Regulator publishes consumer-credit guidance. Personal information entered on a bank's own site is handled by that bank under POPIA. This page does not collect an application.
National Credit Regulator · Information Regulator · Debt review · Credit reports
How WiT Money compares credit cards
- Published card fees, kept separate from other charges.
- Account, facility and package fees, labelled when the source says the monthly figure is not a card-only price.
- Published minimum income, including amounts that were derived from an annual lower bound.
- Interest wording as published. Personalised is not shown as 0%.
- Interest-free periods, including rows the source says still need confirmation.
- Rewards and travel benefits only where the product notes record them, with their conditions.
- Eligibility, which is a credit and affordability assessment.
- Availability. None of the 21 cards has been confirmed as open for new applications.
- Source quality. Each card keeps its official product URL.
- Coverage. This is not every card in South Africa, and it is not a ranking.
The default order is issuer name, then card name. Sorting by fee uses only a published monthly card fee and puts every other pricing basis after those cards. No card is labelled best, cheapest or easiest to get. No paid placement is active on the buttons.
Questions readers ask
What is a credit card?
A credit card is a revolving credit agreement. You can spend up to a limit the issuer sets, and repay it over time. It is not a debit card, and the limit is not income.
How do credit cards work in South Africa?
The issuer assesses the application, sets a limit and sends a statement. Purchases may have an interest-free period if the qualifying balance is paid in full by the due date. A minimum payment keeps the account in order and usually leaves interest running.
What income do I need to apply?
Each card has its own published or derived income figure, and some publish none. The figure is an eligibility threshold set by the issuer, not a promise that you will be approved.
What is a credit limit?
It is the maximum the issuer is prepared to lend on that account after its own assessment. This page does not publish a personal limit for any card. The limit is personalised.
How are credit card interest rates calculated?
Issuers can calculate interest on daily balances and allocate payments under their own rules. Most rates here are described as personalised. The calculator on this page uses a simplified monthly reducing balance and says so.
How does an interest-free period work?
It is a maximum number of days on qualifying purchases, and only if you meet the payment condition, usually paying the qualifying balance in full by the due date. It does not apply to cash withdrawals.
Are credit cards free if I pay the balance in full?
Paying the qualifying balance in full can avoid purchase interest. It does not remove a monthly card fee, a package fee, an initiation fee, a cash-withdrawal fee or a foreign-transaction fee.
What fees should I compare?
Compare the card fee, any separate account or facility fee, initiation, cash and foreign charges, and optional insurance. A rand figure is labelled when it is a from-price, a combined total or a private-banking package.
What is a minimum monthly repayment?
It is the smallest amount the agreement requires that month. Paying only that amount can keep a balance, and interest, for a long time. The exact rule belongs in the credit agreement.
Can I withdraw cash using a credit card?
Many cards allow it. The fee varies and has to be checked in the issuer’s guide. Cash withdrawals usually miss the interest-free period and can cost more than a purchase.
Do rewards credit cards cost more?
Not automatically. A rewards, Vitality, Greenbacks, Voyager or Membership Rewards benefit comes with conditions, and some cards add a higher fee or a package. The points are not a rand value calculated by WiT Money.
What documents are usually required?
Issuers commonly ask for identity and proof of income. The exact list depends on the product and the applicant. This page does not publish a document checklist as if it were universal.
How does a credit card affect my credit profile?
The issuer can report the agreement, the limit and the repayment behaviour to a credit bureau. Paying late or using most of the limit can affect later applications. WiT Money does not pull a credit report from this page.
What happens if I miss a payment?
The agreement can add default or collection costs, and the issuer can report the arrears. Debt counselling is a separate legal process. The National Credit Regulator explains consumer rights; the contract states the card's own consequences.
How can I verify a credit card issuer?
Start with the official website linked on the card, then the product page cited in the details. NCR registration numbers in source research were not independently checked, so this page does not show one as verified.
Are all cards from the same bank priced the same?
No. Absa, Standard Bank, FNB, Nedbank and Discovery each have more than one card here, with different fees and income figures. American Express cards on this page are Nedbank products and link to Nedbank, not to a separate American Express application site.
Sources
Page updated 28 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.
- National Credit Regulator
National Credit Regulator · checked 28 October 2026
- National Credit Act 34 of 2005
South African Government · checked 28 October 2026
- South African Reserve Bank
South African Reserve Bank · checked 28 October 2026
Related pages
Personal loans
Fixed-term unsecured loans, researched separately.
Debt payoff calculator
A second way to test how long a balance takes to clear.
Borrowing guides
How to read a credit agreement before you sign.