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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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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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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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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S

SAA Voyager Premium Credit Card

 Visa/Mastercard

Who it's for: Frequent SAA flyers earning above R25,000/month looking to maximise travel rewards.

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

The SAA Voyager Premium Credit Card offers great travel perks, particularly for frequent flyers with SAA. However, the annual fee of R2,316 could deter occasional travelers or those with lower incomes.

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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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