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Absa
Benefit from up to 57 days interest-free, R1.5 million travel cover, and easy online or global shopping. Monthly fee only R64. Straightforward application.
The Absa Gold Credit Card is an entry-level option ideal for those seeking strong value. For a total monthly fee of just R64, you can enjoy a credit limit up to R90,000. Applicants must earn a minimum of R7,000 per month, and only 3% of your outstanding balance is required as a minimum payment each month. The card’s main draw is its competitive fees and substantial benefits, especially for frequent shoppers and travellers.
How to Apply: Step by Step
- Check if you meet the income and eligibility requirements.
- Gather supporting documents, usually proof of income and residency.
- Complete the application on Absa’s official credit cards portal.
- Wait for credit assessment and approval by the bank.
- Receive your card and activate it to start enjoying your benefits.
Key Benefits of the Absa Gold Credit Card
Cardholders enjoy up to 57 days of interest-free shopping on purchases, which can significantly reduce the cost of everyday spending.
The card includes R1.5 million automatic travel insurance, plus worldwide acceptance so you can transact locally and globally without hassle.
You’ll benefit from lost card protection, ensuring safety if your card is ever misplaced.
Tap-and-go contactless payments mean faster transactions at points of sale, adding extra convenience.
Access to Bidvest Premier Lounges at preferential rates ensures comfort when travelling, adding real value for regular flyers.
Cons to Consider
The credit card has a relatively high minimum income requirement compared to some other entry-level offerings in the market.
The travel lounge access is not complimentary; it is available at special rates, which may not appeal to all users.
Our Verdict
The Absa Gold Credit Card presents solid value for those seeking balance between affordability and rewards. If you meet the modest income requirement, the benefits—especially for travel insurance and secure, global payments—are noteworthy. The low monthly cost and strong international features make it well-suited to cost-conscious professionals and regular travellers. However, more premium perks require looking at higher-tier cards in the Absa range.
