Learn How to Apply for the African Bank Credit Card

What to know before applying?

The African Bank Black is a credit card with a low maintenance fee and an expandable credit limit of up to R350,000, offering high security and convenience for your daily use.

African Bank is a well-established South African institution that has been providing various financial services for decades.

One of these services is the Black credit card, designed to meet a wide range of customer needs across the country.

The African Bank Credit Card has an initial fee of R140 and a monthly fee of R65. Additionally, there are charges for other financial procedures, such as money transfers, balance inquiries, and ATM withdrawals worldwide.

One of the significant benefits of the card is that you don’t have to wait long to receive it. If you apply directly at a bank branch, you can leave with the card as soon as it is approved.

While the card does not offer multiple lounge accesses or discounts on airline tickets, its focus is on providing a cost-effective Mastercard Black card.

With the card, you gain access to African Bank’s banking system, ensuring secure transactions. Benefits include easy reactivation of a blocked card, available statements, and quick payments.

African Bank allows you to make withdrawals at participating merchants and set your own transaction limits.

If you’re interested in the card, keep reading and learn more about the African Bank.

Who can Apply?

African Bank does not specify exact conditions for applying for their credit card. The bank promises a thorough credit analysis to determine your limit and card offer.

You must be at least 18 years old and either a South African citizen or a foreigner with a visa in your passport.

For income verification, you will provide your details for the bank to assess without specifying a minimum requirement.

To apply, you will need to submit documents such as:

• Most recent proof of income
• Copy of ID
• Last bank statement reflecting three months of salary

Meeting these conditions does not guarantee approval, as it is subject to the bank’s availability.

How do I Apply for the African Bank Black Credit Card?

To apply for your credit card, you can select the ‘Apply Now’ option to fill out the form with various options.

The bank will conduct a credit analysis, including for loans and the card itself:

• Personal Details: South African ID, full name, phone number, and address
• Income information, including receipts and salary details

You can also fill out the “Call Me” form, providing your South African ID, mobile number, full name, and email.

If you are already a customer of African Bank, you can apply directly through internet banking or the mobile app.

Another option is to visit a bank branch for full assistance from the team.

More Details

In addition to instant issuance upon approval, you will enjoy benefits such as up to 3% interest on positive balances.

The credit limit is highly expandable, and requests for increases can be made directly through internet banking.

For added convenience and security, you can use the card for online purchases and access online services from anywhere.

For easy repayments, you can use various methods, including debit orders, EFT, EasyPay, and Pay@.

The card supports PIN payments, CVV numbers, and quick OTP transactions.

With the card, you get up to 62 days of interest-free credit on online purchases and at establishments worldwide through the Visa Black network.

Credit life insurance provides support for personal reduction, death, income loss, and other situations.

Overall, African Bank offers an efficient way to manage your finances securely and swiftly.

Want to learn about another option?

The focus of African Bank is to offer good value with a low fee. However, if you need a more robust product, you might consider the Discovery Bank Platinum.

The card rewards you with Discovery Miles, including discounts on flight purchases, lounge access, and other premium benefits. See how to apply.

Written by

Gabriel Gonçalves