Our credit cards are packed with great deals and benefits that allow you to live your life the way you want. Discover the benefits of shopping online, make payments at any retail outlet, cover unexpected expenses and get rewards with our credit cards.

Get more rewards

Use your credit card to pay for purchases and earn great rewards. Terms and conditions apply.

Shop online

You can use your credit card to shop for anything online. It’s easy and convenient.

Accepted worldwide

A credit card with full ATM functions, including cash withdrawals from any ATM worldwide.

Build a credit history

Getting a credit card is an excellent way to build a credit history for yourself. Be smart and use it wisely.

Apply for a credit card that’s right for you

Gold Credit Card

Monthly fee:
R55

Minimum monthly income:
R4 000

An all-inclusive credit card with lifestyle and special offers.

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Premium Banking Credit Card

Monthly fee:
R92

Minimum monthly income:
R25 000

Access your Absa cheque and/or savings accounts using your card, giving you the freedom to do your shopping faster.

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Private Banking Visa Signature Credit Card

Monthly fee:
R185

Minimum monthly income:
R62 500

Freedom and flexibility while ensuring that you have access to support, advice and assistance from a private banker.

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Flexi Core Credit Card

Monthly fee:
R44

Minimum monthly income:
R2 000

Enjoy multiple benefits, from making purchases in stores and online, to making larger purchases without having to carry cash around.

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Student Credit Card

Monthly fee:
N/A

Minimum monthly income:
R800

Build your banking profile and prepare you for the next stage of your life.

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Absa Gold and Premium Package

Gold Package

Monthly fee:
R135

Minimum monthly income:
R4 000 pm

Free Currency Investment Account

Premium Package

Monthly fee:
R229

Minimum monthly income:
R25 000 pm

Free Currency Investment Account

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Apply for our partner credit cards

Whether you want to travel abroad or do your everyday shopping, we offer a British Airways credit card that rewards you for simply swiping to pay for purchases or to book local and international flights.

British Airways Credit Card

Monthly fee:
R95

Minimum monthly income:
R8 000

If you love to travel and shop, then this is the credit card for you. You earn big rewards for using your card to book flights and make purchases.

Apply now

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All you need to know about credit cards

Your credit card and how to use it safely

Keep your credit card in a safe place, use it wisely and never share your PIN with anyone. See below for more tips and information.

How to report a lost or stolen card

Contact the Absa Stop Card Centre on 0800 11 11 55 at any time
You can also stop and replace your card on the Absa Banking App

In case we contact you:

We will never ask you for your

Credit card expiry date
Credit Card CVV number
One-Time-Password sent to you
Your card PIN

Note: we will have your card number and you only need to confirm a few digits.

What to do when you get your new card
Here is what you need to do when you get your new credit card:

Sign your card immediately

Retrieve your unique PIN and set your card limit by either calling the Card line on 0861 462 273, visiting your nearest branch (remember to take your ID with you) or log in to Absa Online Banking (Select Profile, then select Card management and then click View card PIN). For a reissued card, use your previous card’s PIN

To change your transaction limits, log in to Absa Online Banking or use the Absa Banking App

For added security, activate your NotifyMe
Get the most out of your Visa card

No matter where you are, enjoy exclusive offers, rewards and benefits by simply using your Visa card. Create an account or sign in to access your world of Visa services.
Credit 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 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

Understand why credit is important

Are you new to credit, or have you got limited credit history? Our credit cards could be a convenient way to borrow money and build a healthy credit record over time. We also have some important tips and useful information on how you can manage your Absa Credit Card and avoid financial pitfalls.

Interest free periods

You receive up to 57 days interest-free on qualifying credit card purchases, subject to full payment of the outstanding balance by the payment due date. Interest is charged from the transaction date on cash withdrawals, casino transactions, fund transfers (inter-account, branch and ATM), budget plan purchases, ATM account payments, Garage Card transactions (including fuel purchases via Garage Cards), beneficiary payments, CashSends, prepaid and Lotto. Terms and conditions apply.
Having financial difficulty

If your debt is beginning to take control of your life, speak to us first. We can advice on how to effectively manage your debt.
Build a good credit record

Maintaining a good credit history is important as it reflects on your credit score which, in turn, usually impacts on your financial future.

To better manage your credit record, make sure you are in the loop concerning your creditworthiness (an indication of the likelihood that a borrower will default in paying back a loan). Also understand your credit score and credit report.
What we consider when giving you credit

Have a credit history, make your bill and loan payments on time and keep your debt low. This will show us that you’re a reliable person to lend to.

In addition, set up debit orders for payments such as bills. This proves you’re good at managing money.
Other credit solutions

You can also top up your recurring credit facility (Overdraft, Absa Credit Card or Revolving Credit Facility).Simply request a limit increase on your existing product based on the additional funds you require.*

*Subject to a standard risk and affordability assessment. Terms and conditions apply.

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Straight and budget payments
You can choose between straight and budget when you pay with your credit card.

What is the difference?

Straight payments: You’ll start to repay your purchase in the next month.

Depending on your account status, you generally do not incur interest within the first 55/57 or 60 days.

You must repay the minimum percentage of your outstanding balance every month, plus any fees and interest.

The minimum percentage payable depends on your product and bank, but can be either 3%, 5% or 10%.

Budget payments: You’ll repay the purchase price over a selected period of time in instalments.

The minimum repayment amount due in respect of your straight facility will not apply. The budget transaction amount is divided by the number of months selected, and your monthly repayment will be calculated by adding the amount due under the budget facility to the minimum payment due under your straight facility, (plus associated interest).

When you pay using your Absa credit card, R300 is the minimum amount for budget transactions.

If you set up your transaction amount through a merchant, you can choose a repayment period of (6, 12, 18, 24, 36, 48, and 60) months. However, if you do it through Absa online, you can choose between 3 to 48 months.

Interest on budget transactions is charged from day one of purchase.

Your credit facility is allocated evenly between ‘straight’ and ‘budget’ transactions. The full purchase amount for the budget transactions is deducted from your total available credit facility.

What you need to know

Your contracted interest rate applies to both budget and straight transactions.

Consider using your budget facility to pay for big-ticket items like your television or computer.

The budget facility is like a term loan where you make regular payments until you have fully repaid your item.

Think about the interest you’ll have to pay over time and decide if a budget facility is worth it.

Consider selecting the shortest budget term that you can manage to avoid interest accruing over a longer term.

To avoid extra charges from missed payments, set up a debit order for your credit card.

The outstanding balance on your budget facility can be paid off by either paying more than the minimum amount or paying it off in full.

Certain transactions such as fuel, cannot be purchased on the budget facility.

Call the number on the back of your card for more assistance.
Protecting your credit in tough times

Our Credit Protection Plan can protect you and your family against burden in case of death, temporary disability, disability or death. For more information contact Credit Life.
Top tips
Please be advised that Absa will not request our clients to confirm the following information telephonically:

Credit card expiry date

3-digit number on the back of the card

Secure code/OTP number

Your PIN

You will only be required to use your PIN or OTP number when transacting. In the event that you are contacted by Absa:

We will have your card number and you only need to confirm a few digits.

If you receive a secure code/OTP and you are not transacting at all please contact our client fraud hotline on 0860 557 557 or +2711 501 5089.

Digital solutions what make credit card payments easy

We offer digital solutions to make paying for goods or services faster, easier and more convenient.
Get the Samsung Pay app and start shopping away without any hassle.

You can also pay your bills online using our easy and secure walletdoc app or website. Simply download the app or visit walletdoc.com, register and start paying your bills using your credit card or debit card.