African Bank’s Audacious Rewards Credit Card stands out for local users who want to earn rewards on regular expenses like car hire, dining, groceries, and online shopping. With attractive points-back rates, users have an opportunity to get the most value from their everyday spend.

This credit card offers a range of earn-back percentages: up to 50% points on car hire, up to 10% on groceries, and 10% at Spur restaurants, especially for users who meet boosted earn criteria, such as having a salary paid into their African Bank account and at least two active debit orders. While the exact interest rate and credit limit may depend on your creditworthiness and eligibility, the card does not hide complicated conditions or fees, focusing on transparency.

How to Apply for African Bank Audacious Rewards Credit Card

1. Register online or via the African Bank app
2. Log in to your profile
3. Access “My Rewards” section
4. Click “Join Now” and complete the application
5. Submit any required documents digitally

Pros of the Audacious Rewards Credit Card

This card offers generous points on car hire, with up to 50% back for credit card holders on car rentals under 6 days—and attractive points for other common spend categories like groceries and dining. The variety of spend partners ensures you can earn rewards on nearly all daily purchases.

Flexibility is another key perk: points can be redeemed for airtime, vouchers, cash, or even invested tax-free, enhancing the practical benefits beyond traditional loyalty programmes.

Cons to Consider Before Applying

The best earn rates require having your salary paid into your primary African Bank account and maintaining two active debit orders, which may not suit everyone. Limits also apply to some boosted earn rates, especially for dining, which could impact higher spenders.

Additionally, key interest and credit limit details are only provided upon application, so prospective cardholders should ensure they fully understand the offer before applying.

Verdict

The African Bank Audacious Rewards Credit Card is ideal for those who want to maximise value on routine expenses and are willing to meet the qualifying criteria for the best rewards. The range of partners and redemption options makes it a practical rewards card for the everyday South African spender.