Credit Card
Reviews, comparisons and application guides for credit cards available in South Africa: monthly fees, initiation fees, interest-free days, personalised rates, income requirements and the path to each bank’s official website.
Credit Card
Featured
Absa Gold Credit Card: up to R90 000 with cash back and travel cover!
Absa Gold Credit Card: how to apply
Capitec Credit Card: one card, a limit of up to R500 000!
Capitec Credit Card: how to apply
Standard Bank Blue Credit Card: simple credit for R40 a month!
Standard Bank Blue Credit Card: how to apply
Interest-free days on a credit card: how do the 55 days really work?
Straight or budget: which credit card facility should you use?
Frequently asked questions
Need help? See some questions we get asked frequently.
Does Kredua issue credit cards?
No. Kredua is an independent information website. We review cards issued by South African banks and link to their official websites; the application, the credit check under the National Credit Act and the account itself are always with the bank.
What income do I need for the cards reviewed here?
It varies by card. Entry cards such as the Standard Bank Blue and the Capitec Credit Card ask for a monthly income of about R5 000; Absa recommends R7 000 for its Gold card; premium cards ask for R25 000 or more. Each review states the published requirement.
Will applying affect my credit record?
A formal application is recorded as an enquiry at the credit bureaus, and too many in a short period can lower your score. Drawing your own free annual report from TransUnion or Experian does not. Kredua never checks the bureaus.
Still no answer?
Contact us! Our team of specialists will be happy to help.