African Bank

image of African Bank
image of African Bank

African Bank is a registered credit provider with South Africa’s National Credit Regulator: NCRCP5


About – African Bank

African Bank is the lender of choice for South Africans looking for fast, reliable and affordable unsecured personal credit. The bank is known for offering flexible and customisable loan and credit card solutions with competitive interest rates and convenient repayment terms.

quick and easy access to credit

The main benefits of using our products and services are excellent treatment, objective creditworthiness assessment, quick and easy access to credit, instant issue credit cards, credit life insurance and maximum financial freedom for reaching your goals. We offer special rewards for credit holders who manage their personal loans and credit cards effectively.

After acquiring the Ellerines Holding Group, we are the sole credit provider for the stores of this group.

Services – African Bank

African Bank is the leading provider of unsecured personal loans in South Africa. Our service is based on full understanding of our customers' needs and our ability to offer the most efficient customised solutions. You will receive the best treatment and the best service.

highly competitive interest rates

We guarantee highly competitive interest rates which can be fixed and repayment options designed with your convenience in mind. The online loan application process is quick and easy and can be done in a few minutes. You can expect immediate reply. We provide a range of extra benefits which are hard to beat.

We offer insurance coverage and reward good credit management with even better opportunities for saving.


Summary of Services

  • Credit Cards
  • Debit Cards
  • Bank Accounts
  • Finance Leases
  • Card Products 
  • Transactional Products
  • Lending Products


African Bank Credit Cards Review - How Rewarding Are They?

It is certainly a good idea for you to compare different credit card products in order to find the most suitable one for you in terms of flexibility and affordability. You can readily start with the most popular options. This African Bank credit cards review will help you assess these products in detail and decide on their usefulness for you. African Bank is one of the major lenders in South Africa. It has impeccable reputation for offering products and services of high quality. It offers dependable expertise and functional solutions. You can choose it with complete confidence.

maximum limit of R20 000

The most basic of African Bank credit cards is the Blue Classic card. It can have maximum limit of R20 000 and this is quite high. You can qualify for an interest-free period of up to 60 days. This is five days more than the maximum which most competitors have to offer. The interest rate charged is competitive while the fees and other charges are acceptable. You just have to ensure that that you can afford them. This is a basic card without many fancy additional benefits. You can make free airtime purchases using Cellphone Services, however.

no transaction fees for making purchases

The African Bank Silver and Gold credit cards give you extra benefits. There are no transaction fees for making purchases. This can save you quite a lot of money if you are an active card user. The first 4 ATM withdrawals will be free of charge as well. You will also get free SMS notifications when using your card. There are more free extras such as a set number of balance checks and mini statements. 

earn reward points when you shop with the card

The Platinum card offered by the bank is undoubtedly the most beneficial of all, but it has the highest qualifying criteria as well. The interest rate of 16.5% is among the most competitive. Besides, you can get a 3.5% rebate by paying the monthly instalment. You can earn reward points when you shop with the card. You can also link it to your savings account. This review finds the African Bank credit cards to be highly versatile. Each one is beneficial in its own way and suitable for a specific type of customer.

 Contact Details

150 Commissioner St, Marshalltown, Johannesburg, 2107, South Africa
Ph: 011 221 2700 / 0861 000 555
Fx: 087 943 0136
Em: [email protected]
Em: [email protected]

 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 –