The African Bank Audacious Rewards Credit Card stands out for its generous rewards on everyday purchases, giving you up to 10% back in points. This card is designed to reward responsible banking habits and help you maximise value when you spend at top partners like grocery stores, restaurants, travel agencies, and online retailers. While the specific interest rate and credit limit vary according to your application and credit profile, the transparent rewards structure and tax-free investment option for earned points are notable highlights.

How to Apply: Quick Step-by-Step

1. Download the African Bank App or visit the website.
2. Register or log in to your online profile.
3. Select “My Rewards” in your account dashboard.
4. Tap “Join Now” and follow the prompts to apply.
5. Once approved, activate your card and start earning points right away.

Pros: Unlock Everyday Value

The main advantage of this card is the boosted reward system. Earn up to 50% back at select dining venues, up to 10% back on groceries and online shopping, and significant points on travel and car hire. There’s also the flexibility to convert points to cash or invest them tax-free.

With no monthly account fee and an easy, app-based management system, you can track your points and redeem them for vouchers, airtime, or fuel—all from your phone or computer.

Cons: Know Before You Apply

To access boosted reward rates, you need your salary paid into your African Bank account and must maintain at least two active debit orders, which might not suit everyone.

Monthly spend limits and certain exclusions apply, and the rewards programme is only available to active African Bank cardholders, limiting access to non-customers.

Final Verdict: Is Audacious Rewards Worth It?

African Bank’s Audacious Rewards Credit Card is a solid choice for anyone wanting maximum rewards on routine shopping and travel, especially if you already use African Bank services. Responsible spending and account activity unlock even better rates, making it appealing for those committed to positive financial habits. For South Africans looking for simple, accessible rewards, this card delivers genuine value.