SA

Best card in South Africa: 4 options!

Are you searching for the best card in South Africa to suit your lifestyle needs? If so, you can find your best card options in this post. Read on!

What is the best credit card to use in South Africa? Find out here!

Find the best card to pay for your expenses and give you benefits! Source: Canva.
Find the best card to pay for your expenses and give you benefits! Source: Canva.

If you’re looking for the perfect card to suit your lifestyle, you’ve undoubtedly explored all the options available in South Africa. But which is the best card in South Africa? We can help you find it!

Moreover, with so many cards available, it’s hard to know which is ultimately the best. Don’t worry; we have saved you the trouble of researching and narrowing down four cards that cater to various needs!

Whether you need something for everyday spending or travel rewards, we’ve got comprehensive reviews right here! Read on to see which is the best card in South Africa!

How to use a credit card to your advantage?

If you’re going to use credit, the most important thing you can do is to pay your bills on time each month.

Moreover, establishing a positive credit history and avoiding expensive late fees in this manner is the best option.

Therefore, you should develop a payment schedule to assist you in keeping track of when payments are due.

In addition, one more thing that might help your score is maintaining an open line of credit for a long time.

So, aim to pay off the entire credit card balance as quickly as possible, in addition to the minimum monthly payments. Also, these are only some ways to make the best out of your credit card.

4 best credit card options in South Africa

A credit card can help you manage your finances and build a credit history. Source: Canva.
A credit card can help you manage your finances and build a credit history. Source: Canva.

Now that you read some tips on how to use your card responsibly, you can see which is the best card in South Africa.

However, keep in mind that the best credit card can be good for some and not so good for others.

Therefore, always do your research before applying for a credit card. So, read our list below to see the 4 four best South African cards!

1 – Standard Bank Titanium Credit Card: best travel credit card in South Africa

This Standard Bank card can be the best one in South Africa because it has a reasonable monthly fee and it offers an incredible credit limit of R250,000.

Moreover, you can earn up to 5% cashback for domestic or international hotels, travel insurance, and much more!

RequirementsR5000 minimum monthly income;
South African ID copy, and more.
Initiation FeeR180.
Monthly FeeR82.00.
RatesYou’l get personalized interest rates!
Plus, there is a 0% interest rate if you choose the 6-month budget plan when paying for in-store or online purchases.
Rewards*Up to 5% cashback after you book any domestic or international hotels, apartments, or other related;
10% off after you spend R300 or more on ProGifts;
Flight discounts with Emirates (up to 20%);
Discounts for car rentals with Avis (up to 15%).
*Terms apply.

Like what you see on this table? If you do, you can learn how to apply for this credit card at the following link. Or keep reading to see the other credit cards we’ll present here.

Standard Bank Titanium Credit Card

How to apply for the Standard Bank Titanium card?

When choosing a good card, you need to consider many things. But if you learn how to apply for the Standard Bank Titanium Credit Card, you'll find incredible perks!

2 – African Bank Gold Credit Card

With this card, you can find travel assistance, credit life insurance, and more! Plus, this card can be a good option for those needing card insurance and other types of insurance.

Also, you can get up to 60 days interest-free on POS purchases!

RequirementsBe over 18 years old, and show your latest bank statements, proof of income, and more.
Initiation FeeN/A.
Monthly FeeR69.00 per month.
Rates*Card replacement fee: R115.00;
Funds transfer fee: R5.55;
Cash back at POS: R7.50;
Deposit fee (Plus 1.3% of transaction value over R250): R5.75;
ATM cash withdrawals above R100 (Plus 1.5% of transaction value): R11.50;
ATM cash withdrawal (Plus 1.5% of transaction value): R23.00.

*Terms apply.
Rewards*You can get 3% interest per year on a positive balance.

*Terms apply.

Learn how to apply for the African Bank Gold Credit Card with our comprehensive walkthrough of the application process.

African Bank Gold Credit Card

How to apply for the African Bank Gold Credit Card

See how easy it is to apply for an African Bank Gold Credit Card and get your card issued instantly in a branch so you can enjoy its perks!

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

You will be redirected to another website

3 – ABSA Student Credit Card: best credit card to build credit in South Africa

There are many credit cards for different purposes, like student credit cards! Source: Canva.
There are many credit cards for different purposes, like student credit cards! Source: Canva.

This credit card can be the best for students who need to build a credit history and earn rewards. Also, you can Absa rewards for everyday spending.

However, you’ll need to use your card responsibly to improve your credit and get the rewards.

RequirementsYou’ll need a minimum monthly income of R800, a valid student registration, and others.
Initiation Fee*Up to an R175 maximum.

*Terms apply.
Monthly FeeNone.
Rates*Cash deposit: at Absa ATM – R2.50 per R100.00 / Absa branch – R4.00 per R100.00;

Cash withdrawal: Any local bank (assisted) – R80.00 plus R2.50 per R100 / Absa / POS – local – ATM – R2.50 per R100;

Credit card purchases: Free;

Balance inquiry: Free / Assisted: R9.00;

Insufficient funds fee: R10.00.

*Terms apply.
RewardsAbsa Rewards: up to 30% cash back on groceries, fuel, health & beauty, and at partners (conditions apply);
up to 1.15% on everything else;
Absa Advantage: complete challenges and get rewarded

If you’d like to build your credit history with a great credit card to prepare for your life after graduation, consider applying for this credit card, as you can see on the following link.

Absa Student Credit Card

How to apply for the Absa Student Credit Card?

You must meet specific requirements and eligibility criteria in order to apply for an Absa Student Credit Card. Learn how the process works!

4 – Nedbank Platinum Credit Card

This Nedbank credit card is for those with a little bit more income and money. However, you can make it fit your lifestyle if you like premium travel perks and rewards.

Moreover, this card offers discounts on Nu Metro movie tickets and other perks! Also, you’ll earn Greenbacks rewards while purchasing on eligible places.

In addition, you can get access to incredible restaurant deals. And this card can be perfect for those who love to travel with style because you can get travel discounts on car hire, flights, and more!

Requirements*You need to be at least 18 years old to apply, live in South Africa and have a South African ID or a valid passport, earn at least R29,000 per month, and others;
Also, you’ll need to have a good credit score.
*Terms apply.
Initiation FeeN/A.
Monthly Fee*R96 per month;
Credit facility fee from R32 per month;
Greenbacks linkage fee: R27.
*Terms apply.
Rates*There are no card delivery fees;
Additional card: R35;
Up to 55 days interest-free.
*Terms apply.
Rewards*Get 50% off your Nu Metro movie tickets;
Buy at bp and get a chance to win R20,000 worth of fuel;
You’ll earn Greenbacks rewards on all eligible purchases made with your Nedbank Platinum Credit Card;
Access great restaurant deals and travel discounts, including car hire, flights, and accommodation;
Get exclusive deals on airtime, data vouchers, electricity, shopping, and others.
*Terms apply.

If you’re looking for excellent rewards rates, the Nedbank Platinum Credit Card is a great option. Check the following post to learn even more about this platinum card.

Nedbank Platinum Credit Card

How to apply for the Nedbank Platinum Credit Card?

Do you need a card with travel perks and rewards? If so, read on to learn how to apply for the Nedbank Platinum Credit Card!

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

Trending Topics

content

How to apply for the Grant In Aid?

Check out how to apply for the Grant in aid and guarantee an additional social benefit to help you pay for the person who looks after you.

Keep Reading
content

How to apply for the FNB Premier Credit Card?

Are you looking for a rewarding card with personalized rates? Read our post to learn how to apply for the FNB Premier Credit Card!

Keep Reading
content

How to apply for the FNB Business Gold Credit Card?

See how to apply for an FNB Business Gold Credit Card to access flexible repayment methods, rewards, travel insurance, and more at low costs.

Keep Reading

You may also like

content

Better Mortgage review: how does it work and is it good?

We have made a Better Mortgage review to tell you why this can be the place to find the money you need. You'll find finance and buying options, understand how it works, and discover its pros and cons. Read on!

Keep Reading
content

Budgeting for travel: see how to plan your next trip!

Find out what you need to do to start budgeting for your next trip. In this post, you'll find the best tips to help you save and have a stress-free vacation here. Read on!

Keep Reading
content

How much does a home inspection cost?

Home inspections can provide vital insights into a potential purchase. Read on to learn more about how it works and its costs.

Keep Reading