The Old Mutual Credit Card offers an affordable way to manage both everyday purchases and emergencies. Interest rates are highly competitive and tailored to your credit profile, while credit limits are flexible to suit your income.

With minimal initiation and monthly fees, the card ensures you don’t pay for features you won’t use. The application process is user-friendly and focused on transparency, providing peace of mind for those seeking responsible credit access.

How to apply for the Old Mutual Credit Card

• Check your credit score and gather income documents
• Complete the online application form
• Wait for Old Mutual’s approval process
• Receive your card and activate it

Pros of the Old Mutual Credit Card

One of the biggest benefits is the card’s approach to affordable fees and competitive rates. Old Mutual also offers reward features for eligible customers, making every swipe more rewarding.

Flexible limits and the potential to build credit over time add extra appeal, especially for first-time cardholders and those with changing income levels.

Cons of the Old Mutual Credit Card

Like most entry-level cards, initial credit limits may be modest depending on your credit history and income. Rewards are best maximised by responsible monthly repayments.

The interest rate depends on your credit profile, so individuals with lower scores may face higher rates until their credit rating improves.

Our Verdict

The Old Mutual Credit Card is a sound choice for budget-conscious consumers and those aiming to build good credit in South Africa. Flexible features, responsible use, and ongoing benefits combine for a well-rounded product.