The African Bank Black Credit Card stands out in South Africa’s credit card market with several competitive advantages. Cardholders can benefit from up to 3% interest on positive balances, while purchases attract up to 62 days of interest-free credit when repaid in full by the due date. With limits reaching up to R500,000 (subject to credit assessment), this card matches both lifestyle needs and large-scale spenders who want easy access to funds.

The application process is straightforward. Begin by preparing your latest proof of income, a valid South African ID, and three months’ bank statements showing salary deposits. You must be 18 or older to apply. Start the application online, and, if approved, pick up your personalised embossed card instantly at any African Bank branch. Activation is confirmed via SMS notification.

How to Apply for the African Bank Black Credit Card

1. Gather required documents: ID, salary proof, bank statements (3 months).
2. Complete the online application form.
3. Await credit assessment and approval.
4. Visit a branch for instant card issuance.
5. Receive activation SMS and start transacting.

Key Pros of the African Bank Black Credit Card

This card offers a market-leading interest rate on your positive card balance—up to 3%—rewarding you for keeping funds available. Also, instant card issuance at branches ensures convenient access immediately after approval, removing the usual waiting period.

It’s accepted globally where the Visa logo is displayed and can be used for secure online transactions. Additionally, the free-to-use banking app and online platform allow seamless management of payments, statements, and limits, giving you control wherever you are.

Key Cons of the African Bank Black Credit Card

The monthly service fee is R69, which may be higher than some entry-level competitors. International fees and ATM withdrawals also incur extra costs, so frequent travellers or users who prefer cash must consider these expenses.

Strict credit assessment processes mean not everyone may qualify for the maximum credit limit. Additionally, credit life insurance is required, adding to the card’s overall cost.

Verdict: Our Unbiased Perspective

The African Bank Black Credit Card is a strong offer for those seeking high credit limits, rewards on positive balances, and quick card issuance. While some fees apply, its digital convenience, generous interest terms, and robust security features make it one of the more attractive credit cards for South Africans prioritising flexibility and online banking functionality.