African Bank Black Credit Card: Up to R500k Limit & Interest on Balances

Discover the African Bank Black Credit Card: up to R500k credit limit, up to 62 days interest-free, and up to 3% interest on positive balances. Instant issuance and global acceptance, all in one card.

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African Bank Black Credit Card

Exclusive credit card with up to R500,000 limit, up to 62 days interest-free, and up to 3% interest on positive balances. Instant issue and global acceptance!




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The African Bank Black Credit Card is a premium offer catering to South Africans seeking flexibility and value. You can enjoy a credit limit of up to R500,000, subject to individual affordability and credit checks. Cardholders benefit from up to 62 days interest-free on point-of-sale and online purchases, provided you settle the balance by the due date. Additionally, positive balances on your card can earn you up to 3% interest per annum, making it rare among credit cards in South Africa.

How to Apply for the African Bank Black Credit Card

  1. Gather recent proof of income, your latest bank statement showing three months of salary deposits, and ensure you’re over 18.
  2. Start your application online, by phone, or by visiting an African Bank branch with your documents.
  3. If approved, collect your personalised embossed card instantly at any branch.
  4. Activate your card—you’ll be notified via SMS as soon as it’s ready to use for transactions.

Key Advantages

One big advantage is instant card issuance upon approval, providing immediate access to credit. The ability to earn interest on positive balances is another standout, turning your card into a flexible financial tool. The card also lets you set personalised transaction limits for better control.

Potential Drawbacks

The monthly service fee of R69 is higher than some basic cards, but aligns with its premium status. Additionally, withdrawals at ATMs and certain merchant POS points come with extra charges that can add up if used frequently.

Our Verdict

The African Bank Black Credit Card delivers strong value for those seeking a high limit and generous rewards on positive balances. If you want seamless application, wide acceptability, and enhanced digital banking tools, this card is worth considering.

Recommended for you

African Bank Black Credit Card

Exclusive credit card with up to R500,000 limit, up to 62 days interest-free, and up to 3% interest on positive balances. Instant issue and global acceptance!




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