What your Premium Banking Card Carrier can do for you

Here are some of the benefits

Absa Advantage

Get rewarded instantly by completing simple challenges on the Absa Banking App.

Absa Rewards

Get cash back whenever you pay with your card and more.

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

Here are some handy tips and information about your Premium Banking debit and credit card.

Your Absa debit 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.

Read more about your card’s contactless functionality.

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.

Basic travel insurance	Get emergency medical cover and up to 90 days’ automatic basic travel insurance up to R3 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

First steps

Card safety tips

Features of your debit card

Features of your credit card

Credit card financial tips

First steps
To activate your card, do a transaction at a point-of-sale or withdraw cash from any ATM, using your PIN.

For a reissued card, use your previous card’s PIN.

To retrieve your PIN

Log into your Absa Banking App, select Cards from the bottom menu and then select the relevant card.

Log into Absa Online, select Settings > My Card Management > PIN Retrieval and then the specific card from the dropdown menu.

Visit the nearest branch with your ID

For added security, activate your NotifyMe SMSs to receive transaction notifications. Customers who use the Absa App and have enabled push notifications in app, will receive their transaction notifications via App
Card safety tips
Memorise your PIN and store your card safely.

Never keep your PIN and card together.

Never share your PIN with anyone.

Always watch your card at tillpoints.

Make sure that 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.

Note

Never write down your PIN or disclose it to anyone. If you have a debit and a credit card, don’t choose the same PIN for both of them. This will safeguard your other card if one is lost.

If you suspect that your Absa card was 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.

In the world of online shopping, the OTP is your best friend. The OTP is provided to you to authorise a transaction. Never share it. If you receive an OTP even though you are not shopping online, report this to the Absa Fraud Hotline.

Absa will never ask you for an OTP security code to stop fraudulent transactions. Immediately hang up the call and contact the Absa Fraud Hotline on 0860 557 557, or report it via our Banking App by going to Menu and then selecting Report fraud.

Keep track of your account balances and transactions via the Absa Banking App or Absa Online, so that you can identify any suspicious activity on your account.

To report a lost or stolen card, call 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, however you’ll need to notify 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
Features of your credit card
Credit cards can be used to pay for everyday purchases and cover unexpected expenses while building up your credit history.

International acceptance – a great companion when travelling.

As soon as your card is issued, whether it is your new card, renewal (reissue) card or an upgrade, track the status of your card using the Track Delivery feature in the Absa mobile App.

Absa Credit Coach in App – helps you monitor and improve your credit profile. Credit Coach is located under “Offers” tab.

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 with SMS or in-App verification.

Lost card protection, which means that if your card is lost or stolen, you will not be held liable for any fraudulent transactions that may occur on the card after you have reported the loss or theft. You are covered from the moment that you report the loss or theft. You can report this by calling us 24 hours a day, toll-free on 0800 11 1155 or on the Banking App. Once you have reported a missing card, it is stopped immediately and you will be sent a new card. Please note that the free lost card protection does not cover the cost of replacing your card and a lost card administration fee will be charged to your account.

Automatic basic travel insurance is included when you purchase your international return tickets with your card.*

Visa benefits.

Alleviate your family’s financial burden if you become temporarily or permanently disabled, are diagnosed with a critical illness, experience loss of income or even in the event of your death, by adding a Credit Protection Plan to your card account.

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.

PIN and limit management and viewing of card details: If you forget your PIN just as you’re about to pay or want to shop online and do not have your card on hand, don’t panic. Just view your PIN or card details on the Banking App or call 0860 109 085 and follow the voice prompts to retrieve your PIN.

Secondary credit cards: You can share the convenience, flexibility and peace of mind of a credit card with someone special in your life – a spouse, partner or dependant – at a nominal fee (please refer to the latest pricing guide). The secondary cardholder will be identified and verified, with the creation of a mini-CIF profile if they are not an existing Absa customer.

*Underwritten by Bryte Insurance Company Limited
Credit card financial tips
Up to 57 days interest-free on qualifying credit card purchases, subject to full payment of the outstanding balance by the payment due date as stated on the monthly statement. Interest is charged from the transaction date on cash withdrawals, casino transactions, fund transfers, budget plan purchases, ATM account payments, Garage Card transactions, beneficiary payments, CashSends, prepaid products and Lotto. Terms and conditions apply.

Setting up a mandatory debit order will ensure that you never miss a payment.

The debit order may be authenticated via DebiCheck and the minimum amount due or full statement balance amount due will be collected.

NotifyMe: For added security, activate SMS notifications to get alerts of any activity on your account.

Budget facility: Your credit card gives you access to a budget facility to buy bigger items of over R300 in affordable equal monthly instalments over 3 (three) to 60 (sixty) months. To have your item moved back to your normal facility, call the number on your card.

Minimum repayment.

To ensure that customers don’t amortise negatively*, the minimum repayment for all customers is a maximum of either:

3% of balance calculation + initiation fee (where applicable) + budget instalments + arrear amounts + over-limit amounts.

R25.00 (in the event that the account’s minimum payment is less than R25.00, but the outstanding balance is more than R25.00).

In the event that the minimum payment is less than R25.00, but the outstanding balance on the account is also less than R25.00, 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.

Lounge access

Bidvest Premier Lounges	Absa Premium Banking customers get 12 complimentary visits* to any of the Bidvest domestic and international departure lounges across South Africa (total across both the primary and secondary cardholders).
Qualifying spend criteria	Spend R7 000 in the month in which the Bidvest airport lounge is used or spend a total of R21 000 over 3 consecutive months before and during the month of the lounge visit. You still get access to lounges even if you spend less than the qualifying amount or have used all your complimentary visits, but at the Absa preferential rate
Absa Rewards member	To qualify for your lounge benefits you must be registered on the Absa Rewards programme
	Click here for detailed breakdown of the benefits and conditions of Bidvest lounge access
	Read more about Bidvest lounges, operating hours and services available.

Access premium experiences and everyday benefits with your Visa card.

Visa Local Offers

Redeem exclusive deals from local merchant partners to help you make the most of every occasion. Local Offers are available to all Visa cardholders.

Exclusive Deals

Visa have negotiated discounts across the world for you to enjoy, so you can be rewarded for using your Visa card no matter where you are. Explore the Visa website to see which rewards your card unlocks.

Extended Warranty

Your purchases may be entitled to an Extended Warranty benefit.

Buyers Protection

Your purchases may be entitled to Purchase Protection.

Global Customer Assistance Service (GCAS)

No matter where you are, Visa’s Global Customer Assistance Service (GCAS) is ready to respond as your fast and reliable 24/7 support network.

If your card has been lost or stolen abroad, for example, GCAS will assist you immediately.

Services from GCAS include:

Quickly reporting and blocking a lost, stolen, damaged or compromised card
Expediting emergency cash disbursement so you are assisted within 2 hours
Expediting emergency card replacements so you are assisted within one business day
Cardholder inquiry service. You can call anytime, no matter where you are, to get quick answers or additional information
You’ll receive a direct transfer to your financial institution for any account-related questions that can’t be answered

South Africa: 0800 900 475 / Worldwide +1 303 967 1090
You may also visit Visa.com and use the drop-down menu to locate a more exact GCAS number based on your location.

Cardholders may register a profile on the Visa Cards Benefits and Offers platform to learn about redeemable offers.
Visit the Visa cards website and 'Create an Account' or just navigate the benefits on the page. The site is mobile optimized.

Please note: The Visa cards website does not store any Visa card details after your card tier is determined.

Manage your money while you’re on the move. Use your Absa Banking 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.
Buy prepaid airtime, data, electricity and buy Lotto tickets.
Absa Credit Coach in App – helps you monitor and improve your credit profile. Credit Coach is located under “Offers” tab.

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

Do all your banking online 24/7, register now.

Get help with our online banking services.
We offer many innovative ways to pay like Apple Pay, Samsung Pay, Garmin Pay and more. Find out more now.
Keep your security up to date. Protect yourself from the latest scams, find out more on our security page.