Counter advice, no bank jargon

Which card is right for you? Ask at the counter.

Tell us your situation. We show the real yearly cost first, then the perks — and say plainly who should skip a card.

Take a number: what is your situation?

  1. My first card Easy approval, low limit to start
  2. Low Interest Lower rates if you carry a balance
  3. No annual fee Pay nothing just to keep it
  4. Cashback Money back on everyday spending
  5. Miles and travel Lounges, miles, fewer foreign fees
  • Real yearly cost before perks
  • No one can promise approval — we never do
  • Fine print explained in plain words

Recently added

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Nedbank Gold Credit Card

 Visa

Who it's for: Individuals with a steady income looking for a budget-friendly credit card with cashback rewards.

  • Annual fee R780
  • Rewards 2%
  • APR 18.25%

The Nedbank Gold Credit Card is those seeking a low-cost credit option with cashback rewards. However, the relatively high APR range of 18.25% to 20.75% may deter long-term users who carry balances.

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F

FNB Gold Credit Card

 Visa

Who it's for: Ideal for new credit users looking to build their credit history with FNB.

  • Annual fee R600
  • Rewards 1.5%
  • APR 18.25%

The FNB Gold Credit Card serves as a decent entry point into the bank's rewards ecosystem, though it lacks some detailed fee information.

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A

Absa Gold Credit Card

 Visa

Who it's for: Individuals with a minimum monthly income of R7,000 who frequently travel and value cashback rewards.

  • Annual fee R828
  • Rewards 1%
  • APR 11%

The Absa Gold Credit Card is appealing for those who travel frequently and want to earn cashback on purchases. However, the minimum income requirement of R7,000/month may limit access for some potential applicants.

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S

SAA Voyager Premium Credit Card

 Visa/Mastercard

Who it's for: Frequent SAA travellers with a monthly income of R25,000 or more who want to maximise travel rewards.

  • Annual fee R2.3k
  • Rewards 1%
  • APR 18.25%

This card provides solid travel perks for frequent flyers, but the annual fee of R2,316 can be steep for occasional travellers. If you're a regular SAA user and earn enough Voyager Miles, it could be worthwhile.

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C

Capitec Credit Card

 Visa

Who it's for: Individuals with a steady income who frequently spend and travel, looking to earn cashback and enjoy travel perks.

  • Annual fee R600
  • Rewards 1%
  • APR 10.5%

With a solid 1% cashback on all spending and attractive travel perks, this card is ideal for frequent spenders. However, the annual fee of R600 and high interest rates may deter those who carry a balance.

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A

American Express Gold Card

 Amex

Who it's for: Frequent travellers with a strong credit score who can comfortably spend R10,000 in the first three months.

  • Annual fee R1.4k
  • Rewards 1%
  • APR 20.5%

The American Express Gold Card is an excellent choice for frequent travellers looking for rewards and perks, but the R1,440 annual fee may deter casual users.

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