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Money Credit Card review: money back for every swipe

Find out all the details about a trustworthy card on this Money Credit Card review, and check if it fits your profile and budget!

Money Credit Card: up to 3% back on eligible purchases

This is the Money Credit Card: read our full review! Source: The Mister Finance.
This is the Money Credit Card: read our full review! Source: The Mister Finance.

This Money Credit Card review gathers essential information about a great tool for cash-back earnings. 

Money Credit Card

How to apply for the Money Credit Card?

Check out how to apply for a Money Credit Card and earn up to 3% on online or in-store eligible purchases. Applying for it is easy and fast!

In summary, this card charges a reasonable monthly fee of R56.49. But the reward package overcomes costs, as can be seen below!

RequirementsMonthly income of at least R 3000 (be employed);
Be at least 18 years old;
Have a bank account;
A valid South African ID or Drivers License;
Proof of income 
Initiation FeeR100.88 (once-off where applicable)
Monthly FeeR56.49 
FeesATM balance: R15.10/ enquiry;Overseas ATM balance: R5.20/ enquiry;
ATM cash withdrawal: R7.00 for the first R100 and R2.00 / R100 thereafter;
Overseas ATM balance: R36.00 for the first R100 and R2.00 / R100 thereafter;
In-branch withdrawal and Overseas in-branch withdrawal: R36.00 for the first R100 and R2.00 / R100 thereafter;
Cash deposit: R2.00 / R100 deposited;
Statement copy fee: R5.00 where applicable;
Overlimit fee: R200;
Late payment fee: R100
Rewards3% back on online spending at Makro, Game, and Builders;2% back in-store (at Makro, Game, Cambridge Food, and Builders);1% back on everything else

Now, check out all the details about this practical credit tool.  

How does the Money Credit Card work?

As shown above, on this Money Credit Card review, this card is worth considering if you want to pay less and earn more.

Also, it is important to say that it is suitable for those who regularly shop at Makro, Game, Cambridge Food, and Builders because the reward tier is higher and can go up to 3%.

On the other hand, you can earn 1% back on everything else, which is not a low rate for a card that only costs R56.49 per month.

So, to sum up, you earn money back every time you swipe. Also, it offers up to 55 days of free interest as well as global acceptance since it is a Mastercard.

Basically, this card works like any other credit card. However, it doesn’t have its own bank that issues it. Therefore, you must have a bank account to apply for it.

Lastly, the card offers an easy-to-use mobile app so you can manage your bills and rewards from all over the world.

Money Credit Card benefits

Use this card at Builders store to earn extra cash back. Source: Canva.
Use this card at Builders store to earn extra cash back. Source: Canva.

Money Credit is a good choice for those who frequently shop at Makro, Game, Cambridge Food, and Builders. In summary, it offers up to 3% back on eligible purchases at those stores plus 1% back on everything else.

Moreover, it is not an expensive card, which means you can access valuable rewards at a very reasonable price.

But it is important to remember that you won’t access traditional bank services along with this card since it is an independent Mastercard powered by RCS and Massmart, too.

Pros

  • It offers up to 3% back on eligible purchases at Makro, Game, Cambridge Food, and Builders, plus 1% back on everything else;
  • Its monthly fee is cheap considering the rewards offered;
  • It is a Mastercard, which means it provides you with global acceptance;
  • It offers up to 55 days of free interest.

Cons

  • It lacks other protection features.

Pre-approved credit cards for low credit score available now

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How good does your credit score need to be?

Unfortunately, this information is not disclosed. On the other hand, it is a very accessible card and only requires a monthly income of at least R 3000. Also, it is important to mention that you must be employed and have a bank account.

How to apply for a Money Credit Card?

Finally, if you want to earn money back on every swipe, check out how simple it is to apply for a Money Credit Card.

Money Credit Card

How to apply for the Money Credit Card?

Check out how to apply for a Money Credit Card and earn up to 3% on online or in-store eligible purchases. Applying for it is easy and fast!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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