See How to Apply for the African Bank Credit Card

What to Know Before Applying?

The African Bank Black card features a low maintenance fee and offers a flexible credit limit of up to R350,000, ensuring high security and convenience for everyday use.

African Bank, a well-established South African institution with decades of financial service experience, provides this card to cater to a broad range of customer needs across the country.

The African Bank Black card incurs an initial fee of R140 and a monthly fee of R65. Additional charges apply for financial activities such as money transfers, balance inquiries, and international ATM withdrawals.

A notable advantage of this card is the quick processing time; if you apply in person at a bank branch, you can receive the card immediately upon approval.

While it doesn’t include multiple lounge accesses or airline ticket discounts, the card is designed to be a cost-effective Mastercard Black option.

With this card, you gain access to African Bank’s secure banking system, which includes features like easy reactivation of a blocked card, accessible statements, and prompt payment capabilities.

African Bank also allows withdrawals at participating merchants and lets you set your own transaction limits.

With the Mastercard logo, you can use the card anywhere in the world, backed by the security of African Bank.

If you want to know more about this important card, keep reading and see all the benefits it can offers.

Who can Apply?

African Bank does not provide specific conditions for applying for their credit card. Instead, the bank guarantees a comprehensive credit evaluation to determine your credit limit and card offer.

Applicants must be at least 18 years old and either a South African citizen or a foreigner with a valid visa.

To verify income, you need to provide your details for assessment, though there is no set minimum requirement.

When applying, you will need to submit documents such as:

• Most recent proof of income
• Copy of your ID
• Bank statement showing the last three months of salary

Meeting these requirements does not ensure approval, as it depends on the bank’s discretion and availability.

How do I Apply for the African Bank Credit Card?

To apply for your credit card, choose the ‘Apply Now’ option and complete the form with the required information.

The bank will perform a credit assessment, which includes evaluating both loan applications and the card itself.

Personal details: South African ID, full name, phone number, and address
Income details, including pay stubs and salary information

Alternatively, you can use the “Call Me” form, where you’ll need to provide your South African ID, mobile number, full name, and email address.

If you are already an African Bank customer, you can apply directly via internet banking or the mobile app.

You also have the option to visit a bank branch for comprehensive assistance from their team.

More Details

Along with immediate issuance upon approval, you’ll benefit from up to 3% interest on positive balances.

The credit limit is highly flexible, and you can request increases directly through internet banking.

For added convenience and security, the card is suitable for online transactions and provides access to online services from anywhere.

Repayments can be made easily using various methods such as debit orders, EFT, EasyPay, and Pay@.

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

You can enjoy up to 62 days of interest-free credit for online purchases and at locations worldwide through the Visa Black network.

Credit life insurance offers coverage for personal reduction, death, income loss, and other circumstances.

Overall, African Bank provides a secure and efficient way to manage your finances.

Want to learn another option?

If you’re looking for an alternative bank for an entry-level credit card, you might consider the Standard Bank Gold, which has similar fees. 

In terms of travel and lifestyle benefits, the Gold Card may offer more options with discounts on flights and hotel bookings. Check how to apply for it.

Written by

Gabriel Gonçalves