As your expectations grow, so your world expands. We are here to help you navigate the pace and pit-stops of life as you make your way towards your ultimate destination. Welcome to Absa Gold banking. A reflection of our bravery, passion and readiness to support you.

Here are some of the benefits

Absa Advantage

Complete simple challenges on the Absa Banking App and get rewarded instantly.

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Absa Rewards

Get cash back when you pay with your card locally and internationally.

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Build a credit Record

Great way to establish a credit history while you enhance your future.

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You can bank on us when it comes to your card and safety

We have handy tips and information about your Gold debit or credit card. Let’s get started.

  • What you should do when you receive your card

    1. Sign your card immediately.
    2. If a PIN is included when your card is delivered, peel back the sticker to reveal your unique PIN. To change this PIN, phone 08600 08600 and follow the voice prompts.
    3. If a PIN is not included when your card is delivered, retrieve your unique PIN and set your card limit on the Absa Banking App (go to Profile, tap Card management and Retrieve PIN). Alternatively, you call the number on the back of your card. For a reissued card, use your previous card’s PIN.
    4. To change your transaction limits, log onto Absa Banking Online or use your Absa Banking App.

    For added security, activate our NotifyMe service, which lets you track your spend via SMS for every transaction that takes place on your card. You can do this online or by visiting your nearest Absa branch.

  • Card safety tips

    • Memorise your PIN and store your card safely
    • Never keep your PIN and card in the same place
    • Never share your PIN with anyone
    • Never write down your PIN or disclose it to anyone
    • Don’t choose the same PIN for your debit and credit card
    • Be vigilant when you use your card at till-points
    • Make sure you get your card back after every purchase
    • Never trust strangers or ask them for help at an ATM
    • Treat your contactless card as cash – always keep it secure
    • Temporarily lock, stop or replace your card anytime using your Absa Banking App
    • If your card is retained by an ATM, contact us immediately and block your card before you leave the ATM
    • Always cover the pin-pad or terminal each time that you type in your PIN at an ATM
    • Never share one-time PIN or Password (OTP) with anyone
    • We will never ask you for an OTP. If you receive a call asking for an OTP, immediately hang-up and contact our Absa Fraud Hotline on 0860 557 557, or report the incident via our Absa Mobile Banking App by selecting ‘Menu’ and then ‘Report Fraud’
    • Keep track of your account balances and transactions via the Absa Banking App or Absa Online Banking so that you are able to identify any suspicious activity on your account


    To report a lost or stolen card contact the 24/7 Absa Stop Card Centre on 0800 11 11 55.

    You can also stop and replace your card on the Absa Banking App.


  • Features of your Debit Card

    • Increased fraud protection with our new range of chip cards
    • Convenient NotifyMe service which lets you track your spend via SMS for every transaction that takes place on your card
    • Cash withdrawals at over 800 Absa ATMs, and at point-of-sale outlets nationwide
    • International acceptance for swiping and cash withdrawals
    • Visa benefits
    • Lost card protection for peace of mind (subject to notifying the bank)
    • Card personalisation capabilities (you can request for your card to have your name printed on it and delivered to you)
    • Peace of mind when shopping online with 3D secure technology
    • Increase and decrease your daily spend limit quickly and easily on our Banking App, on Absa Online or by calling us on 08600 08600


  • Features of your Credit Card

    • International accepted – a great companion when travelling
    • Build your credit history to help you secure future loans
    • Up to 57 days’ interest-free on meeting qualifying criteria
    • Pay no transaction fees on card swipes
    • Safe and secure online shopping with Verified by Visa when you shop at participating 3D-Secure online merchants
    • Lost card protection for peace of mind, however you’ll need to notify the bank.
    • Automatic travel insurance is included when you purchase your international return tickets with your card*
    • Visa benefits
    • Alleviate Protect your credit card account with a Credit Protection Plan
    • Your credit limit can be adjusted online, via the call centre or at any Absa branch
    • Full ATM functions, including cash withdrawals from any ATM worldwide
    • View your PIN or card details on the Banking App or call 0861 462 273 and follow the voice prompts to retrieve your PIN
    • Secondary credit cards

    *Underwritten by Bryte Insurance Company Limited or via Visa (Chubb Insurance South Africa Limited), depending on your card.

    Terms and conditions apply to all Absa Debit Card & Credit Card benefits and value-added services.

  • Credit card financial tips

    • Up to 57 days’ interest-free credit on qualifying purchases applies if the full outstanding balance is paid on or before the due date as stated on the monthly statement. This excludes cash withdrawals, casino transactions, internet banking transfers and fuel and budget plan purchases where interest is charged from the transaction date.
    • Set up a debit order to ensure you never miss a payment.
    • NotifyMe: For added security, activate SMS notifications to get alerts of any activity in your account
    • Budget facility: Buy items that cost over R300 and pay equal monthly instalments over 3 to 60 months. Items on budget can be moved back to normal/straight facility. Call the number on your card for assistance.
    • Minimum repayment; In order to ensure no customers will amortise negatively*, the minimum repayment for all customers is a maximum of either:

      • 3% of balance calculation + initiation fee (where applicable) + budget instalments + arrears amounts + over limit amounts.
      • R25 (In the event where the account’s minimum payment is less than R25, but the outstanding balance is more than R25).
      • In the event where the minimum payment is less than R25, but the outstanding balance on the account is also less than R25, then the outstanding balance becomes the minimum payment.

    *Negative amortisation occurs when the principal amount on a loan increases gradually because the loan repayments do not cover the total amount of interest costs for the period.



Your Absa debit and/or Visa credit card is contactless-enabled and can be used to tap to pay for all transactions where the contactless/payWave symbol is displayed.

For transactions over R500, or merchant-dependent limits, you will be asked to enter your PIN.

Contactless transactions on your debit card are debited against your transactional account and transactions on your credit card are debited to your credit card account. These transactions will appear on your statement with all your other transactions.

Please safeguard your contactless-enabled card to avoid fraudulent use. We will never ask you to share your PIN to maintain your card or transaction limits via telephone, SMS or email.

If your contactless card is lost or stolen, you can request a replacement. A replacement fee may be charged. Call Absa immediately on 0800 11 11 55 if your card is lost or stolen or your PIN is compromised.

Opt for our value-added NotifyMe service to get SMS and/or email alerts when you transact. Register on Absa Online under the Profile tab, call Telephone Banking on 08600 08600 and select option 1 or visit any branch. Fees may be charged on certain accounts.

Read more about your card’s contactless functionality here

Apart from contactless payments with your card, we offer access to a host of other innovative digital payment solutions such as Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Gold Value Bundle (Cheque Account)

Basic Travel Insurance Get emergency medical cover and up to 90 days automatic basic travel insurance up to R1.5 million for international journeys when you buy your return travel ticket(s) with your Absa credit card.   
Top-up Insurance All Absa cardholders are eligible to purchase Top-up Travel Insurance from Bryte at Absa negotiated rates.
  Click here for a detailed breakdown of the benefits and conditions of Bryte Travel Insurance or to find out about top-up cover.

Underwritten by Bryte Insurance Company Limited

Visa Marketplace All Visa cardholders are given access to multiple merchant discounts and deals via the exclusive marketplace offering. The benefits from this offering are redeemable on the Visa cards platform or app and includes offline and eCommerce merchant deals across select Sub-Saharan African countries.
Global Cardholder Assistance
Services GCAS

Cardholders may register a profile on the Visa Cards Benefits and Offers platform to learn about redeemable offers by following these steps:

  1. Go to the Visa cards []
  2. Click on ‘Create an Account’
  3. Fill in a name and surname, country of residence, as well a valid email address
  4. Create a unique password that adheres to the following:
  • At least one upper case letter
  • At least one lower case letter
  • At least one digit
  • At least one special character (#?!@$%^&*-.)
  • Password length must be minimum of eight characters in total

After entering these details and creating a unique password, cardholders will automatically navigate to the next step in the registration process that will require entering their Visa card details.

This is to help Visa determine in which tier their card belongs, so that they are shown the particular benefits and offers that are available in their region and within their card tier.

Please Note: The platform will not store any Visa card details after the card tier is determined.

Download the Visa Benefits and Offers App to have access to all your Visa offers in the palm of your hand.

The Absa Banking App helps you manage your money while on the move. Use the App to

  • View your card details digitally (including expiry date and CVV)
  • Stop and replace your debit and/or credit card
  • View your account balances
  • View your 90-day transaction history
  • Retrieve your card PIN
  • Lock your card (if lost or misplaced)
  • Lock/Unlock specific transaction types that you don’t need (such as international purchases)
  • Do transfers and make electronic payments
  • Change daily card limits
  • Set travel notifications to enable your card to function across borders

Download our Absa Banking App and enjoy fast, convenient banking on your phone or tablet. Download from your favourite app store

For access to the full range of Absa digital services, register here

  • For assistance with any of our online banking services click here
  • We offer smart ways and tools to do your banking such as eStatements, managing your accounts and ATM services
  • View the latest scams Phishing and Vishing, details of our Fraud Hotline, how to block your card and more on our security page    

See our rates and fees

Need more help?

For queries on your cheque account : 08600 08600


Queries on your Credit card : 0861 462 273


For Lost and stolen cards call: 0800 111 155 (24/7) | Absa App

Visit your nearest branch