What to consider when choosing a credit card

Look for the best interest rate to pay less for your credit.
All the costs involved, including service fees and any extra charges.
Secure self-service channels to easily manage your card.
Features like free swipes, rewards and payment convenience.

Need help finding the right credit card?

Choose up to 3 features that are important to you.

Unselect all

Rates and fees

Convenience and control

Flexibility

Rewards and discounts

Insurance and cover

Travel benefits

Security

Rates and fees

Convenience and control

Flexibility

Rewards and discounts

Insurance and cover

Travel benefits

Security

Rates and fees

Convenience and control

Flexibility

Rewards and discounts

Insurance and cover

Travel benefits

Security

Rates and fees

Convenience and control

Flexibility

Rewards and discounts

Insurance and cover

Travel benefits

Security

Rates and fees

Convenience and control

Flexibility

Rewards and discounts

Insurance and cover

Travel benefits

Security

Rates and fees

Convenience and control

Flexibility

Rewards and discounts

Insurance and cover

Travel benefits

Security

Our top cards

Our suggested cards

credit-card
New Nedbank Gold
Credit Card
R20 monthly service fee.
R20 credit facility fee.
R25 optional Greenbacks linkage fee.
Zero charges on card swipes.
Get an additional card for R30.
Manage your card with the Money app or Online Banking.
Tap and go.
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balance.
Change your credit limit on request.
Use your card in-store, online, at ATMs or abroad.
Use your card to pay and get 50% off your Nu Metro movie tickets. See details.
Swipe at bp and stand a chance to win your share of R200,000 in Greenbacks. See details.
Earn Greenbacks on all eligible* spend.
Use your Greenbacks SHOP Card at leading stores that accept American Express.
Get great restaurant deals and travel discounts on car hire, flights and accommodation.
Special deals on your shopping, airtime and data vouchers, electricity and more.
Card includes purchase protection with a chargeback option.
Optional credit life cover in case you die, become disabled, contract a critical illness or get retrenched.
Optional top-up travel insurance available.
Discounts on car hire from Hertz and Avis with Greenbacks.
Get real-time SMSs for transactions.
Set your transfer and withdrawal limits using the Money app.
Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.
Stop or block your card at any time using Online Banking or call 0800 110 929.
Your card is chip- and PIN-enabled for added security.
Overview
Monthly service fee
R40 p/m
Minimum income
R5,000 p/m
Interest-free days
Up to 55
Interest rate
Personalised
credit-card
Nedbank Platinum
Credit Card
R60 monthly service fee.
R30 credit facility fee.
R25 optional Greenbacks linkage fee.
Complimentary replacement card.
Zero charges on card swipes.
Zero card delivery fees.
Get an additional card for R35.
Manage your card with the Money app or Online Banking.
Tap and go.
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balance.
Change your credit limit on request.
Use your card in-store, online, at ATMs or abroad.
Use your card to pay and get 50% off your Nu Metro movie tickets. See details.
Swipe at bp and stand a chance to win your share of R200,000 in Greenbacks. See details.
Earn Greenbacks on all eligible spend*.
Use your Greenbacks SHOP Card at leading stores that accept American Express.
Get great restaurant deals and travel discounts on car hire, flights and accommodation.
Get special deals on shopping, airtime and data vouchers, electricity and more.
Card includes purchase protection with a chargeback option.
Optional credit life cover in case you die, become disabled, contract a critical illness or get retrenched.
Get travel insurance up to R3 million.
Enjoy the Bidvest Premier Club domestic airport lounges up to 12 times a year. Terms and conditions apply.
Discounts on car hire from Hertz and Avis with Greenbacks.
Get real-time SMSs for transactions.
Set your transfer and withdrawal limits using the Money app.
Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.
Stop or block your card at any time using Online Banking or call 0800 110 929.
Your card is chip- and PIN-enabled for added security.
Overview
Monthly service fee
R90 p/m
Minimum income
R29,000 p/m
Interest-free days
Up to 55
Interest rate
Personalised
credit-card
The American Express
Gold Credit Card
R70 monthly service fee.
R670 once-off initiation fee.
R20 a month credit facility fee.
Optional R26 a month Membership Rewards fee.
Free lost card replacement. R450 for same-day delivery.
Zero charges on card swipes.
Personal card delivery for R160.
Add multiple cards at no extra cost to share your card benefits.
Manage your card with the Money app or Online Banking.
Tap and go.
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balance.
Change your credit limit on request or apply to increase your limit.
Use your card at any Amex accepting merchant in-store, online, at ATMs or abroad.
Use your card to pay and get 50% off your Nu Metro movie tickets. See details.
Join Membership Rewards and earn 1 point for every R5 eligible* spend.
Pay with points or withdraw your points as cash at any ATM. Get your complimentary Membership Rewards Card
Exclusive seasonal Cardmember offers at partnered merchants.
Earn a monthly Avo voucher when you spend R3,500 or more a month.
Earn 5,000 bonus points if you spend R10,000 in the first 3 months.
Optional credit life protection in case you die, become disabled, contract a critical illness or are retrenched.
Get travel insurance of up to R4 million.
Enjoy the Bidvest Premier Club domestic lounges up to 12 times a year. 
Use Membership Rewards points to book holidays.
Save with car rental discounts locally from Hertz and Avis.
Get real-time SMSs for transactions.
Set your transfer and withdrawal limits using the Money app.
Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.
Stop or block your card at any time using Online Banking or call 0800 110 929.
Your card is chip- and PIN-enabled for added security.
Overview
Monthly service fee
R70 p/m
Minimum income
R17,000 p/m
Interest-free days
Up to 44
Interest rate
Personalised
credit-card
The American Express
Platinum Credit Card
R4,450 annual service fee.
R1,262 once-off initiation fee.
R18.50 a month credit facility fee.
Free access to the Membership Rewards Programme.
Free lost card replacement and personal delivery. R450 for same-day delivery.
Zero charges on card swipes.
Zero card delivery fees.
Add multiple cards at no extra costs to earn more rewards and share your card benefits.
Manage your card with the Money app or Online Banking.
Tap and go.
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balance.
Change your credit limit on request or apply to increase your limit.
Use your card at any Amex accepting merchant in-store, online, at ATMs or abroad.
Use your card to pay and get 50% off your Nu Metro movie tickets. See details.
Earn 1.5 points for every R5 eligible spend*
Pay with points or withdraw your points as cash at any ATM. Get your complimentary Membership Rewards Card
Explore fine hotels and resorts with the Vacation Collection and The Hotel Collection.
Get exclusive seasonal Cardmember offers at partner merchants.
Earn 10,000 bonus points if you spend R10,000 in the first 3 months. 
Optional credit life protection in case you die, become disabled, contract a critical illness or are retrenched.
Get travel insurance of up to R10 million.
Enjoy access to worldwide and domestic airport lounges.
Access dedicated concierge services, including 24/7 travel services.
Join the Avis President’s Club and get discounts on car hire worldwide.

Get real-time SMSs for transactions.

Set your transfer and withdrawal limits using the Money app.

Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.

Stop or block your card at any time using Online Banking or call 0800 110 929.

Your card is chip- and PIN-enabled for added security.

Overview
Annual service fee
R4,450 p/a
Minimum income
R62,500 p/m
Interest-free days
Up to 44
Interest rate
Personalised
credit-card
SAA Voyager
Gold Credit Card
R700 annual service fee.
Credit facility fee from R25 a month.
Automatic enrolment to the Voyager Rewards programme.
R150 replacement card fee.
Zero charges on card swipes.
Zero charges on additional cards.
Get monthly electronic statements.
Manage your card with the Money app or Online Banking.
Tap and go.
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balances.
Change your credit limit on request.
Use your card in-store, online, at ATMs or overseas.

Earn unlimited Voyager Miles and get a faster Miles earn rate on the SAA Voyager American Express card.

Earn Miles on all eligible spend* (double Miles in the first month).

Earn 1 Mile for every R6.50 of eligible spend on your Amex card, or R11.50 on your Mastercard. 
Earn 19,000 bonus Miles on the first SAA ticket you buy and use.
Earn 15,000 bonus Miles when you spend R320,000 in a calendar year.
Get 1 Continental or Global Companion Ticket per calendar year when meeting spend thresholds.
Use your card to pay and get 50% off your Nu Metro movie tickets. See details.
Automatic basic travel insurance, with the option to top up at a discounted rate. 
Optional credit life protection in case you die, get disabled, contract a critical illness or get retrenched.
Enjoy preferential check in.
Earn Miles on car hire, flights, accommodation and more.

Get real-time SMSs for transactions.

Set your transfer and withdrawal limits using the Money app.

Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.

Stop or block your card at any time using Online Banking or call 0800 110 929.

Your card is chip- and PIN-enabled for added security.

Overview
Annual service fee
R700 p/a
Minimum income
R6,600 p/m
Interest-free days
Up to 55
Interest rate
Personalised
credit-card
SAA Voyager
Premium Credit Card
R2,040 annual service fee.
Credit facility fee from R30 a month.
Automatic enrolment to the Voyager Rewards programme.
R150 replacement card fee.
Zero charges on card swipes.
Zero card delivery fee.
Zero charges on additional cards.
Manage your card with the Money app or Online Banking.
Tap and go. 
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balance.
Change your credit limit on request.
Use your card in-store, online, at ATMs or overseas.

Earn unlimited Voyager Miles and get a faster Miles earn rate on the SAA Voyager American Express card.

Earn Miles on all eligible spend* (double in the first month).

Earn 1 Mile for every R6 of eligible spend on your Amex card, or R10.50 on your Mastercard. 
Earn 19,000 bonus Miles on the first SAA ticket you buy and use.
Earn 15,000 bonus Miles when you spend R300,000 in a calendar year.
Get 1 Continental or Global Companion Ticket per calendar year when meeting spend thresholds.
Spend R1 million in a calendar year and get an additional global companion ticket.
Use your card to pay and get 50% off your Nu Metro movie tickets. See details.
Automatic basic travel insurance, with the option to top up at a discounted rate.
Optional credit life protection in case you die, become disabled, contract a critical illness or are retrenched.
Enjoy unlimited access to SAA-owned departure lounges and preferential check-in.
Earn Miles on car hire, flights, accommodation and more.

Get real-time SMSs for transactions.

Set your transfer and withdrawal limits using the Money app.

Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.

Stop or block your card at any time using Online Banking or call 0800 110 929.

Your card is chip- and PIN-enabled for added security.

Overview
Annual service fee
R2,040 p/a
Minimum income
R25,000 p/m
Interest-free days
Up to 55
Interest rate
Personalised
credit-card
New Nedbank Gold
Credit Card
R20 monthly service fee.
R20 credit facility fee.
R25 optional Greenbacks linkage fee.
Zero charges on card swipes.
Get an additional card for R30.
Manage your card with the Money app or Online Banking.
Tap and go.
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balance.
Change your credit limit on request.
Use your card in-store, online, at ATMs or abroad.
Use your card to pay and get 50% off your Nu Metro movie tickets. See details.
Swipe at bp and stand a chance to win your share of R200,000 in Greenbacks. See details.
Earn Greenbacks on all eligible* spend.
Use your Greenbacks SHOP Card at leading stores that accept American Express.
Get great restaurant deals and travel discounts on car hire, flights and accommodation.
Special deals on your shopping, airtime and data vouchers, electricity and more.
Card includes purchase protection with a chargeback option.
Optional credit life cover in case you die, become disabled, contract a critical illness or get retrenched.
Optional top-up travel insurance available.
Discounts on car hire from Hertz and Avis with Greenbacks.
Get real-time SMSs for transactions.
Set your transfer and withdrawal limits using the Money app.
Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.
Stop or block your card at any time using Online Banking or call 0800 110 929.
Your card is chip- and PIN-enabled for added security.
Overview
Monthly service fee
R40 p/m
Minimum income
R5,000 p/m
Interest-free days
Up to 55
Interest rate
Personalised
credit-card
Nedbank Platinum
Credit Card
R60 monthly service fee.
R30 credit facility fee.
R25 optional Greenbacks linkage fee.
Complimentary replacement card.
Zero charges on card swipes.
Zero card delivery fees.
Get an additional card for R35.
Manage your card with the Money app or Online Banking.
Tap and go.
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balance.
Change your credit limit on request.
Use your card in-store, online, at ATMs or abroad.
Use your card to pay and get 50% off your Nu Metro movie tickets. See details.
Swipe at bp and stand a chance to win your share of R200,000 in Greenbacks. See details.
Earn Greenbacks on all eligible spend*.
Use your Greenbacks SHOP Card at leading stores that accept American Express.
Get great restaurant deals and travel discounts on car hire, flights and accommodation.
Get special deals on shopping, airtime and data vouchers, electricity and more.
Card includes purchase protection with a chargeback option.
Optional credit life cover in case you die, become disabled, contract a critical illness or get retrenched.
Get travel insurance up to R3 million.
Enjoy the Bidvest Premier Club domestic airport lounges up to 12 times a year. Terms and conditions apply.
Discounts on car hire from Hertz and Avis with Greenbacks.
Get real-time SMSs for transactions.
Set your transfer and withdrawal limits using the Money app.
Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.
Stop or block your card at any time using Online Banking or call 0800 110 929.
Your card is chip- and PIN-enabled for added security.
Overview
Monthly service fee
R90 p/m
Minimum income
R29,000 p/m
Interest-free days
Up to 55
Interest rate
Personalised
credit-card
The American Express
Gold Credit Card
R70 monthly service fee.
R670 once-off initiation fee.
R20 a month credit facility fee.
Optional R26 a month Membership Rewards fee.
Free lost card replacement. R450 for same-day delivery.
Zero charges on card swipes.
Personal card delivery for R160.
Add multiple cards at no extra cost to share your card benefits.
Manage your card with the Money app or Online Banking.
Tap and go.
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balance.
Change your credit limit on request or apply to increase your limit.
Use your card at any Amex accepting merchant in-store, online, at ATMs or abroad.
Use your card to pay and get 50% off your Nu Metro movie tickets. See details.
Join Membership Rewards and earn 1 point for every R5 eligible* spend.
Pay with points or withdraw your points as cash at any ATM. Get your complimentary Membership Rewards Card
Exclusive seasonal Cardmember offers at partnered merchants.
Earn a monthly Avo voucher when you spend R3,500 or more a month.
Earn 5,000 bonus points if you spend R10,000 in the first 3 months.
Optional credit life protection in case you die, become disabled, contract a critical illness or are retrenched.
Get travel insurance of up to R4 million.
Enjoy the Bidvest Premier Club domestic lounges up to 12 times a year. 
Use Membership Rewards points to book holidays.
Save with car rental discounts locally from Hertz and Avis.
Get real-time SMSs for transactions.
Set your transfer and withdrawal limits using the Money app.
Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.
Stop or block your card at any time using Online Banking or call 0800 110 929.
Your card is chip- and PIN-enabled for added security.
Overview
Monthly service fee
R70 p/m
Minimum income
R17,000 p/m
Interest-free days
Up to 44
Interest rate
Personalised
credit-card
The American Express
Platinum Credit Card
R4,450 annual service fee.
R1,262 once-off initiation fee.
R18.50 a month credit facility fee.
Free access to the Membership Rewards Programme.
Free lost card replacement and personal delivery. R450 for same-day delivery.
Zero charges on card swipes.
Zero card delivery fees.
Add multiple cards at no extra costs to earn more rewards and share your card benefits.
Manage your card with the Money app or Online Banking.
Tap and go.
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balance.
Change your credit limit on request or apply to increase your limit.
Use your card at any Amex accepting merchant in-store, online, at ATMs or abroad.
Use your card to pay and get 50% off your Nu Metro movie tickets. See details.
Earn 1.5 points for every R5 eligible spend*
Pay with points or withdraw your points as cash at any ATM. Get your complimentary Membership Rewards Card
Explore fine hotels and resorts with the Vacation Collection and The Hotel Collection.
Get exclusive seasonal Cardmember offers at partner merchants.
Earn 10,000 bonus points if you spend R10,000 in the first 3 months. 
Optional credit life protection in case you die, become disabled, contract a critical illness or are retrenched.
Get travel insurance of up to R10 million.
Enjoy access to worldwide and domestic airport lounges.
Access dedicated concierge services, including 24/7 travel services.
Join the Avis President’s Club and get discounts on car hire worldwide.

Get real-time SMSs for transactions.

Set your transfer and withdrawal limits using the Money app.

Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.

Stop or block your card at any time using Online Banking or call 0800 110 929.

Your card is chip- and PIN-enabled for added security.

Overview
Annual service fee
R4,450 p/a
Minimum income
R62,500 p/m
Interest-free days
Up to 44
Interest rate
Personalised
credit-card
SAA Voyager
Gold Credit Card
R700 annual service fee.
Credit facility fee from R25 a month.
Automatic enrolment to the Voyager Rewards programme.
R150 replacement card fee.
Zero charges on card swipes.
Zero charges on additional cards.
Get monthly electronic statements.
Manage your card with the Money app or Online Banking.
Tap and go.
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balances.
Change your credit limit on request.
Use your card in-store, online, at ATMs or overseas.

Earn unlimited Voyager Miles and get a faster Miles earn rate on the SAA Voyager American Express card.

Earn Miles on all eligible spend* (double Miles in the first month).

Earn 1 Mile for every R6.50 of eligible spend on your Amex card, or R11.50 on your Mastercard. 
Earn 19,000 bonus Miles on the first SAA ticket you buy and use.
Earn 15,000 bonus Miles when you spend R320,000 in a calendar year.
Get 1 Continental or Global Companion Ticket per calendar year when meeting spend thresholds.
Use your card to pay and get 50% off your Nu Metro movie tickets. See details.
Automatic basic travel insurance, with the option to top up at a discounted rate. 
Optional credit life protection in case you die, get disabled, contract a critical illness or get retrenched.
Enjoy preferential check in.
Earn Miles on car hire, flights, accommodation and more.

Get real-time SMSs for transactions.

Set your transfer and withdrawal limits using the Money app.

Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.

Stop or block your card at any time using Online Banking or call 0800 110 929.

Your card is chip- and PIN-enabled for added security.

Overview
Annual service fee
R700 p/a
Minimum income
R6,600 p/m
Interest-free days
Up to 55
Interest rate
Personalised
credit-card
SAA Voyager
Premium Credit Card
R2,040 annual service fee.
Credit facility fee from R30 a month.
Automatic enrolment to the Voyager Rewards programme.
R150 replacement card fee.
Zero charges on card swipes.
Zero card delivery fee.
Zero charges on additional cards.
Manage your card with the Money app or Online Banking.
Tap and go. 
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balance.
Change your credit limit on request.
Use your card in-store, online, at ATMs or overseas.

Earn unlimited Voyager Miles and get a faster Miles earn rate on the SAA Voyager American Express card.

Earn Miles on all eligible spend* (double in the first month).

Earn 1 Mile for every R6 of eligible spend on your Amex card, or R10.50 on your Mastercard. 
Earn 19,000 bonus Miles on the first SAA ticket you buy and use.
Earn 15,000 bonus Miles when you spend R300,000 in a calendar year.
Get 1 Continental or Global Companion Ticket per calendar year when meeting spend thresholds.
Spend R1 million in a calendar year and get an additional global companion ticket.
Use your card to pay and get 50% off your Nu Metro movie tickets. See details.
Automatic basic travel insurance, with the option to top up at a discounted rate.
Optional credit life protection in case you die, become disabled, contract a critical illness or are retrenched.
Enjoy unlimited access to SAA-owned departure lounges and preferential check-in.
Earn Miles on car hire, flights, accommodation and more.

Get real-time SMSs for transactions.

Set your transfer and withdrawal limits using the Money app.

Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.

Stop or block your card at any time using Online Banking or call 0800 110 929.

Your card is chip- and PIN-enabled for added security.

Overview
Annual service fee
R2,040 p/a
Minimum income
R25,000 p/m
Interest-free days
Up to 55
Interest rate
Personalised

Our recommendation is only an example of how the interest rate and fees can affect your repayments. Although we do our best to give you accurate calculations, they will not be binding on us. To confirm the latest interest rate or fees, please visit your nearest branch.