REWARD CARDS

• 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 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 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
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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 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
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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.