Rating based on 28 reviews

African Bank Credit Card

  • Get financial freedom
  • Personalised card options
  • No monthly fees

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African Bank homepage
Author African Bank. Screenshot of African Bank website.
[Accessed December 11, 2022]

About African Bank

African Bank is continually innovating to bring you financial solutions that are more valuable and accessible.

They call it humanity through banking.

African Bank - Goals and objectives

African Bank started a financial service to ensure that they help you with your credit affairs. However, this was only one of the many reasons why African Bank was created. Another was to ensure that marginalised communities were able to access at least basic financial services and products.

Role and responsibilities

While African Banks' job is to ensure that you get the best credit card solutions, they also have to ensure that they stick well within the boundaries of the law. 

The last thing you need is to be spending money you don’t have, simply because you want a credit card. In addition, African Bank is legally required to make sure you don't get approved for credit you can't afford. 

Credit made easier at African Bank

There's never been an easier way of getting a credit card than the African Bank way. If you're looking for personal loans, ensure that you meet the criteria that have been set and they'll be more than happy to give you the money you need.

African Bank Services

The fact that they supply clients with loans that are not secured doesn’t in any way change the fact that you need to ensure that you will pay your credit.

Remember, failure to pay your credit card will impact your credit profile in the end.

African Bank's low-interest rates

The interest rates that African Bank offers can easily be compared with other credit providers and are very competitive. Complete their online application today and they'll help equip you with exactly what you need. 

African Banks Black credit card

African Banks believe in rewarding positive financial behaviour. With their Black credit card, they’ll reward you with up to 3% interest for any favourable balance. Depending on your affordability, you could enjoy an African Bank credit card with a limit of up to R250,000.

When you have the credit card for six months, you’re eligible for a credit increase that’ll be subject to a credit assessment. If your credit limit increase is approved, you’ll have access to the funds immediately.

African Bank's credit cards

African Bank has a list of credit options available for you. If you're not exactly sure which credit card products you prefer, it is wise to compare all the options that you have to get the best deals.

The fact that African Bank does not have one exclusive credit card, means that you can find one that suits your specific needs. 

African Bank – Credit card

  • Loan Type Credit cards

Benefits of African Bank

  • No monthly fees
  • Enjoy financial freedom
  • Tailormade credit cards

Credit cards are not only convenient but a safer method of handling cash

Banking has never been this easy.

Now you can do everything online, even in the comfort of your home. Apply today and start working towards your financial goals. 

Know your credit limit when applying

The fact that you can get up to R20 000 to spend doesn’t mean that you have to spend that much. There's nothing wrong with working within your limits; it shows financial discipline.

What you can also benefit from is the 62 days interest-free period that members qualify for. This means there will be 60 free days where you'll have the pleasure of using their credit cards for as long as you want without having any bank charges.

Credit card benefits

For starters, you won't be charged for making purchases. This puts a lot of people at ease as it's a common belief think there will be charges involved for swiping in retail stores.

Another benefit is the fact that you can check your bank balance and financial statements at any time.

The reason African Bank believes in rewarding their clients is that out of all the credit providers they could have decided on taking, they chose to have a credit card with African Bank. This is how they show gratitude to their clients, by offering them affordable rates and great rewards.

Special credit card treatments

There are many advantages that you get from using African Bank’s low-interest credit cards. For starters, whenever you shop with their card, you earn points. 

This doesn’t now mean you should shop like crazy for the mere fact of earning points but rather shop where there's a need.

African Bank will always do its best to ensure that you get the best deals. Likewise, they make sure that no monthly instalments are missed. Give them a call today and they'll make sure you stay a happy client.

man holding thumbs up

African Bank is a trusted & reliable provider of credit cards

In our review, African Bank adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ African Bank is a registered credit provider in South Africa: NCRCP5

Customer Reviews & Testimonials

December 2021

The application took a few minutes and I had sent it in and the best part is they keep you informed about your credit card app.

Jack S
— East London —

October 2021

They have the best service I have ever experienced if you are looking for a bank that will take care of you then look no further they are here for you believe me.

Jackson P
— Cape Town —

June 2021

When we contacted African bank to discuss a problem we were having with our application they helped us through and we were able to upload our app they have the best customer service that we have ...

Lizette V
— Paarl —

African Bank Contact

Physical Address

  • 150 Commissioner St Marshalltown Johannesburg 2107 South Africa
  • Get Directions

Postal Address

  • Private Bag x170, Midrand, 1685, South Africa

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday 08:30 – 12:00
  • Sunday – Closed