Build a credit record
Smart way to start building a good credit history.
Absa Rewards and Absa Advantage
Get cash back from Absa Rewards when you pay with your card. Complete simple challenges on the Banking App and get rewarded instantly with Absa Advantage.
Smart way to pay
Shop securely online or in store. Swipe, scan or tap to pay with your card, smartphone or wearable device at any point-of-sale machine worldwide.
Advantages of your first credit card
Features and benefits
- Digital banking: Use your Absa Banking App to stop and replace your card, report fraud, manage your daily card limits and more. Or you can logon to Absa Online Banking and bank wherever you are, 24/7
- Travel insurance: Automatic basic cover* for a range of travel emergencies
- Free lost card protection: You are covered if your card is lost or stolen, subject to letting the bank know (please call us on 0800 111 155)
- Absa Rewards: Get cash back when you pay with your card locally and internationally
- Absa Advantage: Complete simple challenges on the Absa Banking App and get rewarded instantly for banking smarter
- Exclusive Visa benefits such as Visa Global Merchant offers
- Contactless payments: Tap to pay with your card, smartphone or wearable device at any point-of-sale machine worldwide
- NotifyMe: For added security, activate SMS notifications to get alerts of any activity in your account
- Credit Life protection: Add this benefit to lessen the financial burden on your family if you are temporarily or permanently disabled, diagnosed with a critical illness, pass away or if you experience loss of income
- Credit history: Use your card and build a credit history
Rates and fees
- Interest rate: Get up to 57 days interest-free on qualifying transactions
- Transaction fee: No transaction fees on purchases
- Fixed monthly payments: You can pay extra on your monthly instalments if you need to
Buy and pay with your credit card
- Credit limit: Up to R90 000
- Swipe, scan or tap to pay at any point-of-sale machine worldwide
- Shop securely online or in-store
Qualifying criteria and requirements
- Monthly income required: R2 000
- Age: 18 years or older
- Documentation required: Valid South African ID book or Smart card, proof of residence and the latest proof of income for three consecutive months
- Subject to affordability assessment
- Click on the Apply now button below
- On the Online Account Application page, enter the characters as displayed in the image
- Please complete the six-step assessment
- You may Save and continue later, or Continue at each stage of your assessment
- Click Apply when you have completed your assessment
Alternative application options
If you are not sure our Flexi Core Credit Card is the right card for you, please compare our credit cards. If you need alternative application processes, find the one that suits you below:
Absa Online Banking customer
If you’re an Absa Online Banking customer, you can apply for a credit card quickly and easily.
Telephonic application
Call us on 0861 114 411
Weekdays 08:00 – 17:30
Saturday 08:00 – 13:00
Contact details
Call us on: 0861 114 411
Weekdays 08:00 - 17:30
Saturday 08:00-13:00
