Credit cards

• Minimum monthly income of R 1 000,00
• No initiation fee
• No monthly fee
• Initiation and monthly fee determined on application
• Use the card in over 21,000 stores
• No cashback or rewards offered
• Click here for more details

Access to South Africa’s biggest independent shopping network of over 21,000 stores. Just look out for the RCS logo, and shop for the brands you love! Affordable monthly instalments, with flexible payment options including a revolving credit facility or 24 or 36-month budget plans (for purchases of R600 or more). Get access to exclusive offers and promotions and benefit from Customer Protection Insurance. Interest governed by the National Credit Regulator.

• Minimum monthly income of R 2 000,00
• No initiation fee
• No monthly fee
• Initiation and monthly fee determined on application
• Get up to R20 000 credit limit
• R100 Birthday gift voucher
• Click here for more details

Makro Credit works alongside your existing Makro access card and allows you to get what you need right now. The application process is quick and easy – there are no deposits required, you can get up to R20 000 credit granted, and insurance cover in the event of death, disability or retrenchment. Benefit from 50% off extended warranties, R100 birthday gift voucher, exclusive deals and a variety of payment options to suit your pocket. Applicants must be 18 years or older and employed earning R2,000 or more per month.

• Minimum monthly income of R 2 000,00
• No initiation fee
• No monthly fee
• Initiation and monthly fee determined on application
• Up to R50 000 credit granted
• Flexible repayment options
• Click here for more details

Get R400 in vouchers when you open a Game Account (R300 voucher off purchases of R4000 or more and R100 voucher off purchases of R1500 or more). Flexible repayment options, with affordable monthly instalments. Repayment options: revolving, 24 & 36 months. Benefit from 20% off delivery and extended warranties and get access to exclusive deals and offers. Applicants must be 18 years or older and employed earning R2,000 or more per month.

• Minimum monthly income of R 1 000,00
• No initiation fee
• Monthly fee of R 25,00
• R500 worth of vouchers when you receive your card
• Customer Protection Insurance Included
• Click here for more details

Receive R500 in vouchers when you get the Cotton On Store Card. Benefit from affordable monthly instalment with flexible payment options: Revolving and 24 or 36 month budget plans (for purchases of R600 or more). Use your Cotton On Store Card at any Cotton On, Cotton On Kids, Cotton On Body and Typo Store. Exclusive offers and promotions and Free SMS notification on all purchases for your security.

• Minimum monthly income of R 1 000,00
• No initiation fee
• Monthly fee of R 10,00
• R200 off your first shop with your Pick n Pay Store Account
• Customer Protection Insurance included
• Free SMS notification on all purchases
• Click here for more details

Get R200 off your first shop with your Pick n Pay Store Account Card. Up to 55 days interest-free credit if you pay your balance in full at month end. Affordable monthly instalments with flexible payment options at a competitive interest rate: 24 or 36-month budget plans for purchases of R600 or more. Pay no initiation fee and only R10 monthly service fee. Free SMS notifications on all purchases for your security.

• Minimum monthly income of R 1 000,00
• No initiation fee
• No monthly fee
• Choose between straight and budget terms to suit your cash flow
• Free quarterly RCS Lifestyle Magazine
• Click here for more details

Take advantage of flexible budget plans of 24 and 36 months for purchases over R600 or more. RCS Cards are accepted at over 16,000 retailers around South Africa. Benefit from exciting promotions, competitions and specials offered exclusively to RCS Cardholders. With the RCD Customer Protection Insurance, you can enjoy peace of mind with cover for death, permanent and temporary disability and retrenchment.

• Minimum monthly income of R 1 000,00
• No initiation fee
• No monthly fee
• Initiation and monthly fee determined on application
• Enjoy R750 in free fashion vouchers when you receive your Queenspark Store Card
• Click here for more details

Enjoy R750 in free fashion vouchers when you receive your Queenspark Store Card. Shop immediately and take the look you love home with you today. Be the first to know about their amazing sales, exclusive offers and new fashion ranges. Receive free SMS notifications on all purchases and receive your statements via email. Customer Protection Insurance included for complete peace of mind.

• Minimum monthly income of R 1 000,00
• No initiation fee
• No monthly fee
• Initiation and monthly fee determined on application
• Receive R1,100 in vouchers when you open an account
• Click here for more details

All new opened accounts receive R1,110 in NWJ vouchers. Using your card is easy and convenient, allowing you to use the card at any NWJ store countrywide. Be in the know and benefit from exclusive offers and promotions. Take advantage of flexible budget plans of 24 and 36 months for purchases of $600 or more.

• Minimum monthly income of R 1 000,00
• No initiation fee
• No monthly fee
• Initiation and monthly fee determined on application
• Choose from revolving, 24 or 36 month repayment plans
• Click here for more details

Whether you want to renovate, do some minor fix-ups or just get that stylish bath you have always wanted – CTM have the solution. Benefit from affordable monthly instalments and choose from revolving, 24 or 36 month repayment plans. Also, get access to exclusive offers and promotions and receive free SMS notification on all purchases for your security. Customer Protections Insurance included for peace of mind.

• Minimum monthly income of R 1 000,00
• No initiation fee
• No monthly fee
• Initiation and monthly fee determined on application
• Receive CONTEMPO vouchers to the value of R1000
• Click here for more details

Get approved and receive 3 CONTEMPO Fashion Vouchers to the value of R1000. Your CONTEMPO card gives you access to the largest shopping network with 600 retailer partners to choose from within the RCS network. Flexible payment options to choose from: Straight facility, 24 months and 36 months budget facility for purchases over R600. SMS notifications on all purchases for your security.

• Minimum monthly income of R 2 000,00
• No initiation fee
• No monthly fee
• Must earn at least R2 000 per month
• Benefit from extended warranties
• No rewards offered
• Click here for more details

South Africa’s largest home improvement and building materials specialist with 96 stores within South Africa. Flexible repayment options, with affordable monthly instalments. Repayment options: revolving, 24 & 36 months. Benefit from extended warranties and get access to exclusive deals and offers. Applicants must be 18 years or older and employed earning R2,000 or more per month.

• Minimum monthly income of R 2 000,00
• No initiation fee
• No monthly fee
• Must earn at least R2 000 per month
• Benefit from extended warranties
• No rewards offered
• Click here for more details

DionWired is South Africa's premier consumer electronics & appliances store. Flexible repayment options, with affordable monthly instalments. Repayment options: revolving, 24 & 36 months. Benefit from extended warranties and get access to exclusive deals and offers. Applicants must be 18 years or older and employed earning R2,000 or more per month.

• Minimum monthly income of R 42 000,00
• Initiation fee of R 25,00
• Monthly fee of R 40,00
• Complimentary airport lounge access
• Purchase protection and extended warranty
• No cashback or rewards offered
• Click here for more details

If you earn more than R42 000 per month then this could be the perfect card for you. It comes with a host of special benefits, especially when making electronic purchases. For added peace of mind the card offers extended warranty for appliances that are bought using the card for up to 24 months from the date of purchase. You will also have access to Visa Privileges which includes special offers on shopping, travel and dining. The card as standard comes with a budget facility allowing you to make repayments on purchases in instalments up to 48 months as chosen by you, giving you extra control on what you repay.

• Minimum monthly income of R 25 000,00
• Initiation fee of R 165,00
• Monthly fee of R 62,00
• American Express Card membership rewards
• Balance transfer available
• Travel insurance included
• Click here for more details

One of the longest serving credit card providers in South Africa, American Express has expanded to offer a wide range of credit cards. If you have an annual income of over R300 000 and have an excellent credit rating, then you could well be accepted for the Platinum card. Benefits include the American Express Membership Rewards Programme, where 1 point can be redeemed for every R5 spent to use for lifestyle and travel rewards. An added bonus of the point’s scheme is that the points never expire. You will also be offered an excellent debit interest rate but as like all American Express cards they are not always accepted by every retailer.

• Minimum monthly income of R 10 000,00
• Initiation fee of R 165,00
• Monthly fee of R 30,00
• American Express Card Membership Rewards
• Balance Transfer Available
• Automatic Travel Insurance Included
• Click here for more details

The Gold card lets you get more from your credit card. Both the American Express Membership Rewards and the American Express Selects programme are included meaning you can earn 1 point for every R5 spent. This can then be redeemed for a variety of lifestyle and travel rewards. If you're a frequent traveller you will also be able to take advantage of earning great discounts locally and internationally just for being a gold member. As like all American Express cards you will have the option to transfer a balance upon account opening and have payment protection for an outstanding balance up to R150 000 if the worst were to happen to the primary cardholder.

• Minimum monthly income of R 3 000,00
• Initiation fee of R 165,00
• Monthly fee of R 24,00
• American Express Card membership rewards
• Balance transfer available
• Budget facility available
• Click here for more details

This is American Express's entry level card but does not mean you miss out on any of their fantastic benefits. Although you will receive a lower credit limit, you will still be rewarded for spending on your card by earning 1 point for every R5 spent. An added bonus with these points is that they never expire, so they can easily be accumulated and be redeemed against a variety of lifestyle and travel rewards. The card is a perfect way to budget for those larger purchases allowing you to spread payments of R300 or more over 3 to 36 months. A perfect first reward card for only R20 per month.

• Minimum monthly income of R 10 000,00
• Initiation fee of R 650,00
• No monthly fee
• Earn 10,000 bonus miles on your first SAA ticket purchase
• Earn 1 air mile for every R6,50 spent
• Air Miles expire after 3 Years
• Click here for more details

The main benefit of the SAA Voyager Gold card is that you will earn one air mile for every R6,50 spent. For your first flight ticket purchase you will earn an extra 10,000 bonus miles which is the equivalent to a domestic Economy Class Mileage Keeper Award. Although a great bonus for a first purchase, these are subject to limited seat allocations and it is unlikely that these will be redeemable during busy periods such as holidays or weekends. You will also have to pay taxes and surcharges for any flights that are booked using the air miles. But despite this, if the card is used wisely as like the SAA Voyager Premium credit card, these are the best air mile cards available.

• Minimum monthly income of R 25 000,00
• Initiation fee of R 1 950,00
• No monthly fee
• Earn 1 airmile for every R6,00 spent
• Earn 19 000 Bonus Miles on your first SAA ticket purchase
• Air Miles expire after 3 Years
• Click here for more details

The Premium SAA Voyager card offers similar rewards to its Gold counterpart earning you 1 air mile for every R6 spent and a further 19,000 bonus miles for your first SAA ticket purchase. This card would seem a perfect choice for those who travel a lot, but earning the miles by using your card is not really that cost effective due to the large annual service charge of R1 835. You will also need to remember that fees and taxes are not included when you redeem your air miles for your complimentary flight, so you may find that it works out to be more expensive than buying a normal ticket from another airline. The air miles do last up to 3 years however so from frequent use these could easily be accumulated for a free flight in the future.

• Minimum monthly income of R 5 000,00
• Initiation fee of R 25,00
• Monthly fee of R 35,00
• Budget facility available
• Up to 57 days interest free credit
• No rewards or cashback offered
• Click here for more details

Barclaycard was originally launched back in 1966 and is now the largest credit card company in the World. Although this credit card doesn't offer you rewards similar to that of its rivals for the R35 monthly fee, you are however given up to 57 days' interest free credit – longer than most provider's and also a budget facility for those larger purchases which can be repaid in instalments of 6, 12, 18, 24, 36 or 48 months. A single flat monthly service fee and free transactions make budgeting a breeze with this card.

• Minimum monthly income of R 30 000,00
• Initiation fee of R 165,00
• Monthly fee of R 63,00
• Free comprehensive global travel insurance
• eBucks rewards
• No balance transfer available
• Click here for more details

Depending on your credit profile and monthly income, applicants could be granted a higher personalised credit limit upon successful application. As like other Premier cards the annual fee is around R650 but you will still receive the fantastic FNB benefits such as the eBucks reward scheme of earning up to 2% back on all day-to-day shopping and up to 15% back on fuel purchases. All purchases made within the first 55 days' will be interest free as long as they are fully settled by the payment due date and all till point transactions are free. Unlike other cards offered you will also have exclusive access to SLOW lounges, giving you a wide range of benefits to enjoy before your flight.

• Minimum monthly income of R 10 000,00
• Initiation fee of R 165,00
• Monthly fee of R 30,00
• eBucks rewards
• Personalised credit limit
• No balance transfer available
• Click here for more details

FNB offer a fantastic rewards scheme on all of its cards with up to 1.5% being earned back in eBucks on purchases. The card also comes with a personalised credit limit up to R60 000. Applying for the card online is easy and could even be delivered to your door within 3 working days from the date of application. It is also worth mentioning that customers who qualify for the eBucks reward scheme can receive further great benefits and can then spend the points on just about anything at the various eBucks in-store and online partners. This is a great value card packed with rewards all for a reasonable monthly fee.

• Minimum monthly income of R 7 000,00
• Initiation fee of R 165,00
• Monthly fee of R 24,00
• eBucks rewards
• Personalised credit limit
• No balance transfer offered
• Click here for more details

If you earn more than R7 000 per month then this is one of the best reward credit cards available to you. By regularly using your card you will earn up to 3% back in eBucks on day-to-day shopping and up to 15% back on fuel. The eBucks reward system is fantastic as they can be spent at a number of eBucks partners and unlike other rewards schemes, the eBucks points earned never expire. Successful applicants will also benefit from no transaction fees on purchases and up to 55 days' interest free credit. Upon completing the application, depending on what you earn and your credit worthiness, a tailored rate will be applied. A great card to hold for emergencies and day to day purchases.

• Minimum monthly income of R 6 700,00
• Initiation fee of R 150,00
• Monthly fee of R 34,00
• Moolah reward scheme
• Free online banking
• Reward points expire
• Click here for more details

The Kulula credit card offers its own unique reward scheme allowing individuals to earn 'Moolah' for each purchase made using the card. For every Rand spent you will earn 1 Moolah point. Unlike the British Airways Avios points, you can let the Moolah accumulate to pay for the full flight fare including both taxes and even VAT. If you don't have enough to pay for the whole flight, then you will still be able to pay the remainder using your card. One drawback however is that the points accumulated need to be used within 6 months of being issued. So if you're not a frequent flyer then these points could simply go to waste.

• Minimum monthly income of R 30 000,00
• Initiation fee of R 165,00
• Monthly fee of R 58,00
• Extensive travel benefits
• Extended credit facility
• No cashback or rewards offered
• Click here for more details

This is Nedbank's prestigious credit card. Although similar to the Gold card in terms of benefits, the Nedbank Platinum card comes with a generous credit limit which can be increased upon approval. If you are looking at making the odd big purchase then the extended credit facility could make these purchases that bit easier, with flexible repayment periods from 3-36 months. You are also rewarded with extensive travel benefits including free access to BIDair's Premier domestic airport lounges around the country and automatic travel insurance for both here and abroad when purchasing tickets using the card.

• Minimum monthly income of R 8 500,00
• Initiation fee of R 165,00
• Monthly fee of R 30,00
• Balance transfer available
• Extended credit facility
• No cashback or rewards offered
• Click here for more details

The Nedbank Gold credit card is tailored to suit your financial needs. A balance transfer option is available upon account opening along with an extended credit facility for bigger purchases that can be spread over 36 months. Applying online is a quick and easy process or if you prefer an application can be completed at any of their 536 branches. All successful applicants will be granted a minimum credit limit of at least R2 000 and a free transactional SMS service that notifies you of purchases made at tillpoints on your account – a handy feature when on the move.

• Minimum monthly income of R 3 000,00
• Initiation fee of R 165,00
• Monthly fee of R 24,00
• Balance transfer available
• Extended credit facility
• No cashback or rewards offered
• Click here for more details

The Nedbank Classic credit card is one of the most popular cards on the market, appealing to most with its low monthly income requirements and monthly fees. Although no interest is earned on credit balances, successful applicants will receive a reasonable debit interest rate. A balance transfer will also be available if successful along with zero transaction fees on all purchases made. This is a card targeted at the mainstream credit market, so if you have a reasonable credit rating and are looking to decrease the amount of interest you're paying, then you have a good chance of success with the Nedbank Classic.

• Minimum monthly income of R 5 000,00
• Initiation fee of R 150,00
• No monthly fee
• Simple pricing structure
• Three colourful cards to choose crom
• No cashback or rewards offered
• Click here for more details

The Virgin credit card comes in three different colours to choose from and provides a transparent pricing policy removing any annual card fees. Virgin have made it nice and simple by only charging five individual fees for the use of the card. This included ATM withdrawals, enquiries, cash deposits, Branch cash withdrawals/cheque deposits and the charge for loss or stolen cards. Unlike many of its competitors the card has a variable interest rate that is linked to the repo rate which could potentially make this one of the cheapest cards on the market.

• Minimum monthly income of R 4 000,00
• No initiation fee
• Monthly fee of R 31,00
• Access to special offers
• Balance transfer offered
• No cashback offered
• Click here for more details

Bluebean currently operate as an independent division of Standard Bank allowing you to apply for their credit card from either financial institutions. The basic automatic travel insurance that's included provides cover for personal accident's, emergency medical expenses as well as assistance service. You will also have the option to take out extra cover at an extra cost if needed. If you like to travel then it's also good to know that will also receive free international emergency card replacement and it can be used worldwide where the MasterCard logo is displayed.

• Minimum monthly income of R 4 000,00
• No initiation fee
• Monthly fee of R 31,00
• Balance transfer available
• Access to special offers
• No cashback offered
• Click here for more details

The Bluebean Aspire credit card takes the stress out of paying your bills on time with easy payment options such as Automatic Bill Payments and the Automatic Payment Option (APO). The APO allows you to choose the amount you wish to pay, whether it be the full outstanding amount or the minimum payment, and the date you want the APO to come out your bank. You can also set up automatic bill payments to pay for items like your cell phone account without having to queue in branch. A great choice for those with a hectic lifestyle.

• Minimum monthly income of R 4 000,00
• No initiation fee
• Monthly fee of R 53,00
• Balance transfer offer
• Access to special offers
• No cashback offered
• Click here for more details

Perfect for people on the move. The Classic credit card provided by Bluebean comes with a contactless payment system, which is one of the simplest and safest ways of making transactions under R200. Self-service banking also comes as standard, meaning you can be in control of your finances 24/7 wherever you are - either by telephone, cell phone or via internet banking. Unlike any other credit card on the market, for a fee of R112 all Bluebean cards allow you to have a picture of your choice on the front of the card, making it that bit more personal.

• Minimum monthly income of R 25 000,00
• Initiation fee of R 145,00
• Monthly fee of R 42,00
• No transaction fees on purchases
• Free secondary cards
• No cashback or rewards offered
• Click here for more details

Standard Banks premium card is the Titanium credit card which is available to those who have an income of at least R25 000 per month. Along with the usual 55 days' interest free credit available and no transaction fees on purchases, the card offers added peace of mind when travelling abroad by providing the MasterCard Emergency service. If your card is linked to a Prestige Plus current account and you happen to lose your card and need access to emergency funds or a replacement card quickly, the MasterCard Emergency Service will take care of this for you. If you are a frequent traveller that wants the added protection then the Titanium credit card will remove any unwanted stress.

• Minimum monthly income of R 5 000,00
• Initiation fee of R 145,00
• Monthly fee of R 35,00
• Lower interest rates
• Access to priceless Africa rewards
• No balance transfer offer
• Click here for more details

If you qualify for the Standard Bank Gold credit card you are immediately rewarded with no transaction fees on purchases and a lower interest rate if you fail to settle your balance at the end of each month. As like the Titanium card, Standard Bank offer Priceless Africa which is a unique collection of experiences specifically designed for Gold cardholders - from dining, shopping and sports to travel and entertainment offers. Basic travel insurance and up to 55 days' interest free credit also come as standard adding more value providing a great reason to apply for the Gold card.

• Minimum monthly income of R 5 000,00
• Initiation fee of R 145,00
• Monthly fee of R 49,00
• Access to rewards
• Basic automatic travel insurance
• No balance transfer offered
• Click here for more details

Standard Banks Blue credit card is their most basic credit card that they offer. It is available to anyone who earns more than R3 500 per month but it certainly doesn't come with a basic feel. For all purchases made within the first 55 days' are interest free and successful applicants are also guaranteed to receive no transaction fees on any purchases made while the account is active. Cardholders will also have access to the UCount Rewards programme at an additional fee where you will have access to a fantastic range of products and services at great prices.