The African Bank Black Credit Card stands out in South Africa with a credit limit up to R500,000, a competitive 3% interest on positive balances, and up to 62 days interest-free on POS purchases when the balance is settled in full. This Visa card comes with instant in-branch card issuing once your application is approved. The monthly service fee is R69, and the card also offers a range of payment and management options via banking app and online banking, adding ease and security to the process. Credit is subject to terms, and affordability will be assessed per application.

How to apply: Your step-by-step guide

• Gather your recent proof of income and the last three months’ bank statements.
• Check you are 18 or older before you start.
• Apply online, via the African Bank app, by phone, or in-branch.
• Upon approval, visit your nearest African Bank branch to collect your personal embossed card instantly.
• Activate your card and start using all the available features.

What we like

The instant issuance of a personalised credit card at any branch is a major advantage. You benefit from up to R500k in credit, and the flexibility to earn interest on positive balances can help you maximise your cash flow if you pay more than you spend. Managing your card via app or website is data-free, making it very cost-effective for local users.

What to consider

The monthly service fee and transaction fees can add up if you use the card extensively, especially for cash withdrawals or international use. Credit life insurance is required, adding a small cost but a layer of security. Approval is not guaranteed and is subject to creditworthiness.

Our verdict on the African Bank Black Credit Card

If you’re looking for a card with strong digital tools, high limits, and attractive interest on positive balances, the African Bank Black Credit Card is a solid contender. Its instant issuance and compatibility with mobile banking make it one of the most modern options available in the ZA credit card market today.