The African Bank Black Credit Card stands out in South Africa with appealing features for users seeking value and convenience. With a credit limit reaching up to R500,000, this card ensures you have enough purchasing power, subject to African Bank’s affordability and credit rules. Cardholders also enjoy up to 3% interest per annum on positive balances and up to 62 days of interest-free purchases provided the card is settled in full by the payment due date.

Instant issue of a personalised, embossed card at any African Bank branch means you can start using your card as soon as your application is successful, offering a hassle-free experience. The monthly service fee is R69, with additional fees for replacements and services, all clearly communicated upfront. The card supports worldwide transactions anywhere Visa is accepted, and includes robust online and mobile banking features at no additional data cost.

How to apply for the African Bank Black Credit Card

• Gather your most recent proof of income and three months of bank statements showing your salary deposits.
• Ensure you are over 18 years old and have a valid South African ID.
• Apply online, in-branch, via the African Bank app, or via the USSD code provided by African Bank.
• If approved, visit a branch to receive your instant personalised credit card.
• Activate your card and receive SMS confirmation to start using it immediately.

Key advantages

The African Bank Black Credit Card’s high credit limit and up to 62 days interest-free on purchases are especially valuable for those who pay their full balance on time. Additionally, earning up to 3% interest on a positive balance can help maximise your funds, which many competing cards do not offer.

Potential downsides

While the card offers significant benefits, some fees can be high, particularly for international transactions and cash withdrawals. Plus, eligibility for the top credit limit depends on a thorough affordability check, so not everyone may qualify for the maximum amount advertised.

Verdict

The African Bank Black Credit Card is a versatile choice for South Africans who want generous credit, the option to earn interest, and robust digital features. If you meet the requirements and prefer managing your card on the move, this offer stands as a compelling all-round card.