Enjoy up to 62 days interest free

The African Bank Black Credit Card is designed for South Africans seeking flexibility, security, and strong rewards. With high credit limits, it offers true financial convenience.

This product provides interest on positive balances, interest-free shopping when paid on time, and access to mobile banking tools. It brings together security, flexibility, and trusted service.

Feature	Details
Credit limit	Up to R500,000
Interest on positive balances	Up to 3% per year
Interest-free period	Up to 62 days on purchases
Monthly service fee	R69
Initiation fee	R147
International transaction fee	2.75% conversion fee
International ATM withdrawal fee	R80 + 2% of amount

African Bank Black Credit Card: What you need to know

The African Bank Black Credit Card combines high credit limits, global Visa acceptance, and instant issuance. Customers receive their embossed card immediately once their application is approved.

It provides up to 62 days of interest-free purchases if balances are settled in full by the due date. This feature encourages disciplined financial management.

Unlike many competitors, holders can actually earn up to 3% annual interest on positive balances. This is particularly attractive for those who prefer maintaining funds available.

Digital banking integration is central. Through the African Bank mobile app or website, clients manage payments, view balances, change limits, and access statements without using their own mobile data.

Additionally, the card ensures secure payments online and offline. Transactions require a PIN or OTP, while global Visa acceptance allows travel convenience across multiple regions.

Who can benefit from this option?

This credit card is not only for frequent travellers or high-income professionals. It adapts well to various lifestyles, making it relevant across many customer profiles.

• Frequent travellers: Enjoy global Visa acceptance, safe withdrawals, and the benefit of not carrying large amounts of cash when travelling inside or outside South Africa.
  
• Online shoppers: Benefit from OTP protection for digital transactions, while enjoying up to 62 days interest free if balances are settled before the monthly deadline.
  
• Young professionals: Build a positive credit history while earning interest on funds left in the account, creating both convenience and financial discipline early in their careers.
  
• Families managing expenses: Custom transaction limits allow families to better control spending, track monthly budgets, and enjoy flexible repayment methods across different payment platforms.
  

What makes African Bank Black Credit Card different?

South Africans have many credit card options, yet certain features set the African Bank Black Credit Card apart from competitors. Its focus is on rewarding clients and improving convenience.

• High credit limits: With a ceiling of up to R500,000, this product allows significant financial freedom for emergencies, travel, or large household purchases. While this is the maximum offered, actual approved limits depend on individual assessments.
  
• Positive balance interest: Unlike many cards, holders earn interest when their balance is positive. This transforms the card into a potential short-term savings tool.
  
• Instant card issue: Customers receive their embossed card immediately after approval at any branch, removing long waiting times that are typical with many banks.
  
• Free mobile app usage: No data charges for transactions on African Bank platforms, ensuring cost savings and improved accessibility across South Africa.
  
• Credit life insurance cover: Mandatory cover ensures clients and their families are protected in unexpected circumstances like retrenchment, illness, or disability.
  

Can you trust African Bank?

Yes. African Bank is regulated under South African financial laws and complies with National Credit Act requirements. This ensures fairness and responsible lending across all customer segments.

Security is a central element. Online payments are protected with OTP verification, while physical transactions require PIN confirmation. Clients can easily stop or reactivate their card if compromised.

The bank enforces clear terms and transparent fee structures, with monthly charges, transaction fees, and interest rates disclosed upfront. This transparency helps customers make informed financial decisions.

Additionally, the bank provides fraud monitoring, mobile alerts, and customer service support for stolen or lost cards. Reporting incidents quickly ensures accounts remain protected against unauthorised usage.

African Bank has a reputation for offering accessible products to South Africans, combining innovation with practical security measures that build customer confidence in digital and physical transactions alike.

Common uses of African Bank Black Credit Card in practice

The card is designed to support everyday transactions while also covering major expenses. It fits multiple lifestyles, from working professionals to family households, offering flexibility and rewards.

• Shopping locally: Make secure purchases at stores and online merchants across South Africa, using either tap-and-go, chip, or swipe, always confirmed with a secure PIN.
  
• Travel abroad: Enjoy peace of mind when travelling internationally, thanks to Visa acceptance worldwide and the convenience of not carrying large amounts of cash.
  
• Managing emergencies: High limits allow for handling medical bills, urgent repairs, or sudden travel expenses, while repayment options remain flexible and accessible.
  
• Digital payments: From streaming subscriptions to e-commerce, online shopping becomes safer with OTP confirmation, protecting against fraud while offering interest-free days if managed well.
  
• Household budgeting: Families can set personalised spending limits, ensuring better monthly management of food, utilities, and unexpected expenses without overspending.
  

Simple steps to get your African Bank Black Credit Card

Applying for the African Bank Black Credit Card is straightforward. The process has been designed to combine convenience with security, making it accessible for most employed South Africans.

Customers can begin their journey online, checking qualification amounts, before finalising their application at a branch. Once approved, the embossed card is issued instantly for immediate use.

1. Visit the African Bank website and complete the initial online form to check how much you qualify for based on your financial situation.
   
2. Gather necessary documentation including proof of income, latest bank statements showing three months of salary deposits, and identification.
   
3. Submit the full application either online or at the nearest African Bank branch for processing and approval by credit assessors.
   
4. Once approved, collect your embossed credit card at the branch. There is no waiting period—cards are issued instantly to approved applicants.
   
5. Activate your card, receive SMS confirmation, and immediately start enjoying global Visa access, mobile app features, and all benefits included.
   

Minimum conditions to get approved

Applicants must be at least 18 years old and provide proof of regular income. This ensures affordability assessments align with the National Credit Act and responsible lending practices.

Additionally, candidates must submit their most recent bank statement showing at least three consecutive salary deposits. This verifies income stability and strengthens the bank’s risk assessment process.

Credit life insurance is a compulsory requirement. It provides protection in cases of retrenchment, disability, unpaid leave, or death, ensuring that outstanding balances remain covered.

Approval also depends on a standard credit check. Clients with good repayment histories are more likely to access higher limits, while others may start with smaller allocations.

Recommended alternative: Capitec Credit Card

The African Bank Black Credit Card is a strong option for South Africans seeking high limits, global acceptance, and added benefits like interest on positive balances.

However, those comparing options may also consider the Capitec Credit Card. It offers competitive fees, transparent terms, and digital banking convenience suitable for modern lifestyles.

If you are exploring alternatives, check our detailed article on the Capitec Credit Card. Discover its features, compare benefits, and see if it better suits your financial needs.