Get the Credit Card that suits your Lifestyle
Banking has never been this easy. Now you can make an instant impression with your African Bank Credit Card and bank on the go, wherever you are, online or on any mobile device. Start your application journey by finding out how much you can possibly qualify for.

What Is Special About The Black Credit Card From African Bank?

EARN INTEREST ON POSITIVE BALANCES
You can earn up to 3% interest on a positive balance on our Credit Card.

UP TO 62 DAYS INTEREST FREE
If you settle your Credit Card in full by the due date, you will pay no interest on your POS purchases.

CREDIT CARD LIMIT
Apply for Credit Card with up to a R350k credit limit. *Terms, conditions and affordability rules apply.

ONLINE SHOPPING
For added convenience, you can use your African Bank Visa Credit Card to make secure payments online in the privacy of your home or office.

INSTANT ISSUE
No waiting period to get your Card once approved, simply step into any African Bank branch and get your personalised and Embossed Card.

BANKING ON THE MOVE
Register for and safely access our online and mobile services. Transact anywhere and anytime at your convenience.

EASY REPAYMENTS
Payments have never been easier. You can either pay online, by phone, debit order, EFT, EasyPay, Pay@ or at any of our Branches.

A Few Safety Tips When Using Your African Bank Black Credit Card:
- Never give your Card, PIN or CVV number to anybody, including African Bank employees.
- Always keep your PIN a secret.
- Swipe, dip and contactless transactions will always prompt you to enter your PIN.
- Always ensure that you receive your Card back after every transaction and keep it in a safe place.
- For Card Not Present transactions, e.g. online payments, the transaction will require an OTP.
For Lost Or Stolen Cards
If you’re within South Africa, immediately report the loss or theft of your Credit Card by contacting African Bank on 0861 000 555 or +27 11 256 9988.
You can also use Cellphone Banking by dialling *120*225# from your cellphone. You can also Stop a Card by logging into Online Banking on our website www.africanbank.co.za or by using your African Bank App.
If you’re travelling outside the borders of South Africa, immediately contact African Bank on +27 (11) 256 9988 or the Visa Global Customer Assistance Service on Call Collect USA – (1) – 410 581 3836.


Features And Benefits Of The Black Credit Card
Your African Bank Credit Card allows you more convenience and peace of mind with the following features:
- Your personalised embossed Card is issued instantly at any African Bank Branch.
- Accepted globally at all merchants and ATM's displaying the Visa logo.
- Using your Card is safer than carrying cash.
- Simply Tap, Dip or Swipe, then enter your PIN to complete any transaction.
- Online (Card Not Present) transactions are secure with participating merchants. An OTP (One Time PIN) will be sent to the cardholder to authorise the transaction.
- Cash withdrawals at POS (Point of Sale, or till points) at participating merchants, for example, Checkers, Shoprite, Spar and Pick n Pay.
- Set your own personalised transaction limits. (If you have not set your personalised limits, the African Bank discretionary default limits will apply).
- Up to 62 days interest-free credit on POS and online purchases, if you settle your outstanding balance in full by the due date.
- Customers earn interest on a positive balance.
- For peace of mind to cover life’s unexpected insurable events, Credit Life insurance is required.
The Advantages Of Using Our Banking App Or Online Banking
Our digital banking platforms are free to use. You will not use your data when transacting on our Website, Online Banking, Banking App and Cellphone Banking.
You can:
- Check your available balance any time, any where.
- Pay your Credit Card online.
- Get a statement in 1 easy step.
- Get a paid-up letter in 1 easy step.
- Get a settlement quote in 1 easy step.
- Get tax certificate in 1 easy step.
- Stop a Card in 3 easy steps.
- Reactivate a stopped Card in 3 easy steps.
- View or change limits in 3 easy steps.
- Access your free credit report every month.

Credit Life Insurance
With African Bank’s Credit Life Insurance, you can rest assured that your credit is insured should anything happen to you that would prevent you from making repayments. You are covered for*.
With MyWORLD, you can open up to 5 accounts with no monthly fees, allowing you to share finances seamlessly with friends and family.
- Retrenchment
- Death
- Compulsory Unpaid Leave
- Lay Offs
- Short Time
- Loss of Income
- Retrenchment Balance Claim
- Temporary Disability
- Permanent Disability

FAQS
- If your Card is 6 months or older, you could qualify for a limit increase, subject to a credit assessment. The new limit will be available immediately upon approval. To apply, ask your consultant at any of our Branches, visit our website www.africanbank.co.za, use our App, dial *120*225# or call 0860 333 004.
For an online Credit Card offer suited to your lifestyle, you will need to have the following documents on hand:
- Most recent proof of income.
- You must be over 18 to apply for a Credit Card.
- Latest bank statement.
- reflecting three months' salary deposits.
- Visit your nearest African Bank branch to get a printed embossed Credit card. Once your Credit Card is activated, you will receive an SMS notification that your card can be used to perform transactions.
