Credit Builder 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
• 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 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 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.