African Bank’s Audacious Rewards Credit Card offer is a strong option for consumers looking to maximise returns on their everyday spend. The card enables you to earn up to 50% back in points on select categories such as dining at Spur, up to 10% back on groceries, and up to R200 back on flights. Reward points can be used for cash back, vouchers, and even investing tax-free.

The specific monthly interest rate and credit limit are subject to credit approval and individual assessment. However, the stand-out feature is undoubtedly the generous rewards structure, especially if you are able to meet certain account activity requirements such as salary deposit and debit orders.

How to Apply: Step by Step

• Register an online profile through the African Bank website or app.
• Log into your profile and select ‘Apply for a Credit Card’.
• Complete personal and financial details for assessment.
• Submit any required supporting documents.
• Once approved, activate your card and start earning rewards.

Key Advantages

The Audacious Rewards Credit Card from African Bank stands out for its very high earn rates, especially in boosted categories such as restaurants and car hire.

You can redeem your points for airtime, groceries, fuel, travel or convert them to cash, providing unmatched flexibility and value for South African consumers.

Potential Drawbacks

The best earn rates are available only if you meet certain monthly criteria, like having your salary paid into your African Bank account and setting up debit orders.

Some categories may have exclusions or limits, and full terms and conditions apply, so it’s important to understand these before applying.

Our Verdict

If your monthly spend covers groceries, travel and dining out—and you don’t mind meeting a few extra requirements—the African Bank Audacious Rewards Credit Card is an excellent choice. The value offered in rewards and redemption flexibility is tough to beat in the local market.