Top 25+ Credit Cards Compared in South Africa

By Dave Nyam •  Updated: 01/11/25 •  6 min read

Credit cards in South Africa mean much more than just providing convenience for one’s purchases. They also offer benefits and rewards dealing with their users’ different financial needs and lifestyles. There will always be something for everybody: cashback, travel rewards, low lending charges, or premium offers.

Top Credit Cards in South Africa

Nedbank Affinity Credit Cards

It is subject to a monthly charge of R37; the minimum monthly income required is R3,000. The applicable interest rate is 19.65%.

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FNB Gold Credit Card

It carries a R40-a-month fee and a minimum income requirement of R8 333. It also has an interest rate attached to it at 14.5%, which is very competitive with other loans.

BlueBean All Black Credit Card

It is also rewarding, with a monthly fee of R31 and a minimum income of R4,000. Its interest rate is up to 25.4%, a bit higher.

Woolworths Black Credit Card

A monthly fee of R68.40 will be effected monthly, secured by finances earned from high-income earners. The interest rate is pegged at 21%.

FNB Platinum Credit Card

This has a monthly charge of R69, a R29,166.00 minimum income, and a low % interest rate set at 12.5%.

Barclaycard Credit Card

It costs R60 to maintain per month, requires a minimum income of at least R5,000, and offers competitive interest pegged at 14.40%.

Standard Bank Gold Credit Card

It comes with a monthly fee of R35, while its minimum income need is R8,000. Its interest rate is at 22.90%.

African Bank Gold Credit Card

It offers a justified equilibrium through its monthly fee of R35 and minimum income requirement of R10,000 per month. The interest determined was 16.50%.

The American Express Platinum

It comes at R62 monthly and an earning minimum of R25,000. Also, it bears an interest rate of 14.25%.

Standard Bank Blue Credit Card

It charges the consumer a fee of R49 per month; the minimum income requirement is R3,500 monthly. The interest rate is very high at 25.40%.

Nedbank Platinum Credit Card

There is a monthly administration fee of R54, a minimum income of R33333, and an interest rate of 17.65 percent.

Wesbank Classic Credit Card

It’s an affordable option with a monthly fee of R23, and with a minimum income requirement set at R5,000, an interest rate of 23% is charged.

The FNB Classic Credit Card.

It costs R34 per month; the required minimum income is R6,666, and the interest rate is reasonable at 15.5%.

Woolworths Gold Credit Card

Tt charges R27.50 monthly and R10,000 minimum income at 19% interest.

Diners Club Corporate Card

The monthly fee for this card is R54.20, catering to the high-income category as a necessary minimum with at least R83,333. The interest rate is 17.5%.

Woolworths Silver Credit Card

The Silver Credit Card will charge R22 per month, and one must earn a minimum of R2,500 monthly. The interest rate charged, however, is 20.5%.

Discovery Gold Credit Card

This is backed by a competitive interest rate of 21.95%, with a slight monthly fee of R49 and a minimum income requirement of R6,666.

RMB Private Bank Credit Card

It charges a monthly fee of R171, has a minimum income requirement of R125 000, and has a low interest rate of 9%.

American Express Blue Credit Card

The conditions stipulate a R24 monthly fee, the minimum monthly income set at R3,000, and an interest rate of 19.15%.

African Bank Silver Credit Card

This will bring a monthly fee of R57, a minimum income of R3,000, and an interest rate of 20%.

The FNB Private Clients Credit Card

The private clients’ credit card of the FNB attracts a fee of R149 per month and requires a minimum income of R62,500, and its interest rate is 12%.

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Nedbank SAA Voyager Premium Credit Card

It is structured as a monthly evaluation fee of R153, a minimum income of R25,000, and an interest rate of 14.00%.

FNB Private Wealth Credit Card

It features an R182 per month fee and has an R125000 minimum income requirement at an interest rate of 12%.

Virgin Money Credit Card

Some advantages accorded include people with a minimum income requirement of R5,000, which comes at an interest of 15.50%.

Nedbank Greenbacks Gold Credit Card

It comes with a monthly premium of R41, requires a minimum monthly income of R8,333, and has an interest rate of 19.65%.

Kulul Gold Credit Card

It charges an amount of R40.50 per month, with a required minimum income of R6,700 and an interest rate of 20%.

Wesbank Gold Credit Card

It has a monthly premium fee of R24.50, requires a minimum income of R11,666, and charges an interest rate of 23%.

Nedbank Greenbacks Platinum Credit Card

It comes with a monthly account charge of R54, offers the lowest income requirement of R33,333, and features a balanced lending rate of 17.65%.

Discovery Platinum Credit Card

It charges a monthly fee of R75,  requires a minimum income of R29,166, and has an interest rate of 20.4%.

Barclaycard Prime Credit Card

It boasts a monthly charge of R65, the lowest requirement of R41,667 in monthly income, and a credit fee of 13.40%.

Types of Credit Cards for South Africans

Rewards Credit Cards

They usually come in cashback, airline miles, or more general points. You can redeem them for things and services. These are great tools for those people who usually use their credit cards diligently and would like to get rewards for their spending.

Store Credit Cards

Store credit cards are issued by retailers, providing discounts and promotional offers during purchases in that corresponding store. Though easier to qualify for, they are often limited to purchases within that specific retailer’s network.

Secured Credit Cards.

Secured credit cards are pretty great and require a security deposit, which is great for people with bad or little credit history. The credit limit is usually the same as the amount deposited, and responsible use can rebuild credit scores.

Prepaid Debit Cards

They are much like secured credit cards in that they are connected to a bank account with money first loaded into them. They are fantastic for budgeting and controlling spending because you can only spend up to what is loaded onto the plate.

Unsecured Credit Cards

They are not attached to collateral, and one realizes a higher loan limit. They are the best option for anyone with a good history of overdraft repayments, and they usually have lower lending rates than secured cards.

Requirement Applying for a Credit Card

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