The African Bank Black Credit Card stands out in the South African market for its impressive blend of flexibility, value, and accessibility. Cardholders not only get a high credit limit—up to R500,000, subject to certain terms—but also benefit from up to 3% interest on positive balances, a rare perk in the local credit card landscape. With up to 62 days interest-free on purchases when paid in full by the due date, the card gives a welcome breathing space for savvy spenders.

The application process is straightforward. Firstly, ensure you have your three-month bank statement, proof of income, and are over 18. After submitting your application, if approved, you visit a branch to collect your instantly embossed card. Card activation is confirmed via SMS notification, allowing you to start transacting immediately.

How to Apply: Step by Step

• Confirm you have a valid South African ID and are over 18
• Prepare proof of income and three months’ bank statements
• Complete the application form online or at an African Bank branch
• Wait for credit assessment and approval notification
• Visit a branch for instant card issuance and activation

Main Pros

One of the biggest benefits is its flexibility—setting your own transaction limits and managing your card easily via the bank app or online banking. The ability to earn interest (up to 3%) on positive balances is excellent, effectively rewarding responsible usage. Global acceptance ensures you can use your card in-store and online anywhere Visa is welcomed.

Main Cons

Some users may find the monthly service fee of R69 and replacement card fee of R136.50 a bit steep. Additionally, international usage comes with extra fees, and not all features—like high credit limits—are guaranteed but subject to assessment.

Our Verdict

The African Bank Black Credit Card is a top choice for consumers seeking a high-limit card with unique rewards, instant issuance, and solid digital banking tools. Despite a few costs and qualification steps, the overall value is truly competitive in South Africa. We recommend it for individuals wanting both freedom and control in their credit card experience.