The African Bank Black Credit Card stands out in South Africa’s competitive financial space. It offers an impressive credit limit of up to R500,000 and allows customers to earn up to 3% interest on positive balances. This Visa card is instantly issued at branches, is globally accepted, and comes with a monthly fee starting at R69.00. If you pay your card in full by the due date, you get up to 62 days interest-free on POS purchases, which makes it one of the more attractive cards for savvy spenders and those seeking flexibility. Terms and conditions apply, including affordability checks as per regulations.

How to Apply for the African Bank Black Credit Card

• Have your latest proof of income and recent three-month bank statement handy.
• Ensure you are over 18 years of age before applying.
• Visit an African Bank branch or apply using the website or mobile app.
• If approved, collect your personalised, instant-issue card at a branch.
• Once activated, you’ll receive an SMS confirming your card is ready for transactions.

Pros of the African Bank Black Credit Card

One of the biggest advantages is the high credit limit and the ability to earn interest on a positive balance. This feature rewards those who keep funds on their card.

Instant card issuance at any African Bank branch is another significant benefit, eliminating the typical waiting time for delivery or processing.

Cons of the African Bank Black Credit Card

While the monthly fee is competitive, extra services such as cash withdrawals come with charges that might add up if used frequently.

This card’s premium features are mainly beneficial if you settle your balance in full each month; otherwise, interest charges may reduce the overall value you gain.

Verdict: Should You Get the African Bank Black Credit Card?

The African Bank Black Credit Card is appealing for individuals seeking a high spending limit, interest-earning potential, and instant card access. Regular travellers and shoppers who can fully repay each month will get the most value. However, those who often revolve balances should consider the impact of fees and potential interest. It is a comprehensive card for those who want both rewards and flexibility.