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African Bank Credit Card: Receive your Card Immediately after Approval and Pay Low Fees!

African Bank offers a highly efficient credit card with a monthly cost under R70 and easy access to a credit limit of up to R350,000

The African Bank Black card provides excellent security for use both within and outside South Africa, ensuring quality and protection. Here’s how to apply.

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African Bank is a comprehensive financial institution offering a range of services, including online banking.

Catering to both individuals and businesses, African Bank provides a Visa-branded credit card tailored to various needs in the South African market.

You can apply for the card and receive it immediately after approval, with customization options to match your personal preferences and embossed features. This means you won’t experience any delays in getting your African Bank card.

The card comes with personalized transaction limits and benefits from Visa’s global acceptance.

It supports multiple technologies, including PIN, swipe, tap, or online transactions, all with enhanced security.

According to African Bank, you can enjoy a highly flexible credit limit of up to R350,000, with the option to request an increase even after receiving the card. 

The bank does not set a fixed income requirement but conducts a thorough income assessment to determine the offer. 

The card incurs an initiation fee of R140, a monthly fee of R65, and a replacement fee of up to R130. Additional costs apply for balance inquiries and declined transactions. 

Applicants must provide verifiable financial income, be at least 18 years old, and be in good standing within the country. 

You can apply directly through the African Bank website or visit a branch, where you can receive the card immediately upon approval.

With the African Bank Black card, you can earn up to 3% interest on positive balances and enjoy an interest-free period of up to 62 days until the payment due date.

The bank offers convenient repayment options through online payments, phone payments, debit orders, and digital wallets.

African Bank’s online banking and app services ensure secure, fast, and easy access to your financial services.

Additionally, you can take advantage of credit life insurance, including MyWorld coverage for situations such as job loss, income reduction, temporary disability, death, or staff cuts.

Overall, the African Bank Black Card offers an efficient credit solution with attractive interest rates, suited for a variety of users in South Africa.

While it may not provide extensive lounge access or travel discounts, it delivers solid value for everyday use.

Want to learn other option?

Standard Bank Gold is a credit card designed for similar spending and needs, but it offers more travel-related benefits.

This includes discounts on Emirates flight tickets, hotel bookings, and car rentals. See how to apply.

Gabriel Gonçalves
Written by

Gabriel Gonçalves