Top credit card deals you shouldn’t miss – take a look

Your next credit card could be here

Anúncios

Credit cards with low income requirements and minimal credit checks are usually easier to get. Many banks offer entry-level or store-linked cards with quicker approval, especially for first-time applicants or those with limited credit history.

Yes, some banks offer credit cards specifically for people with poor credit. These cards often come with lower limits and higher interest, but they can help rebuild your credit if used responsibly over time.

Start by checking annual fees, interest rates, rewards, and requirements. You can also browse our updated list of recommended credit card options to compare benefits, eligibility, and see which one suits your needs best.

Most banks require a minimum monthly income starting around R3,000 to R5,000 for basic cards. Premium credit cards may require higher salaries, usually R15,000 or more per month, depending on the provider.

Yes, many credit cards include cashback, fuel rewards, travel points, or discounts at specific retailers. It’s important to choose a card that matches your spending habits to make the most of these benefits.

Some banks do allow foreigners with valid work or residence permits to apply for credit cards. Requirements include proof of income, a local bank account, and a South African address for verification.

Common fees include annual fees, late payment penalties, cash advance charges, and interest on unpaid balances. Some cards also charge international transaction fees when used abroad or online in foreign currencies.

It’s difficult, but not impossible. Some providers may accept alternative proof of income like bank statements or freelance invoices. However, cards without income proof usually have lower limits and stricter conditions.

Missing a payment can lead to interest charges, late fees, and a negative mark on your credit record. Repeated missed payments can result in account suspension or debt collection, so always aim to pay on time.

Yes, several banks offer no-annual-fee cards, especially for students or low-income earners. These cards are great for everyday use and help you build credit without the extra cost of yearly maintenance fees.

How to Choose the Best Credit Card for Your Needs

Choosing the right credit card is more than just picking the first offer that lands in your inbox. 

With so many options available from top banks like FNB, Capitec, Standard Bank, and Nedbank, it’s crucial to compare features that match your spending habits, lifestyle, and financial goals.

Whether you’re looking for a card with cashback rewards, low interest rates, or zero annual fees, here’s what to consider before applying.

1. Understand Your Spending Style

Your spending habits will guide the type of card you need. Ask yourself:

  • Do I use my credit card for everyday purchases like groceries and fuel?
  • Do I travel often and need airport lounge access or foreign transaction support?
  • Do I usually carry a balance month to month?

Knowing how you plan to use your card helps you choose between rewards cards, travel cards, or low-interest options.

2. Compare Interest Rates (APR)

One of the most important factors is the Annual Percentage Rate (APR).

  • Low APR cards are ideal if you tend to carry a balance
  • 0% intro APR cards can be great for balance transfers
  • Always check the variable APR after the promotional period ends

Cards from banks like Absa or Standard Bank may offer promotional rates, but be sure to read the fine print.

3. Look for Rewards That Fit Your Life

Not all rewards are created equal. Choose a rewards credit card that aligns with how you spend.

  • Cashback credit cards: Get money back on categories like fuel, dining, or groceries
  • Travel credit cards: Earn points for flights, hotels, or lounge access
  • Store-linked cards: Discounts at partner retailers like Makro or Game

Some FNB Gold Cards or Nedbank Greenbacks offer flexible points you can convert into airtime, shopping vouchers or even investments.

4. Consider the Fees

Always read the fee structure before applying:

  • Annual fees – some cards charge up to R1,500 per year
  • Foreign transaction fees – extra charges for spending in another currency
  • Late payment penalties – interest spikes and penalties for missed due dates
  • Cash advance fees – extra costs for withdrawing cash

Many Capitec credit cards come with low or no annual fees, making them a popular choice for budget-conscious users.

5. Check for Added Perks

Modern credit cards often include extra benefits. Look out for:

  • Purchase protection and extended warranties
  • Travel insurance
  • Fraud alerts and zero liability protection
  • Mobile app controls for setting limits or freezing the card instantly

Some Standard Bank Titanium Cards even come with concierge service and exclusive event invites.

6. Review Eligibility Requirements

Each card has specific requirements. Most banks ask for:

  • A minimum monthly income (e.g., R3,000 or R10,000+)
  • A good credit score
  • South African ID and proof of residence
  • Recent payslips or bank statements

If your credit score is low, look into secured credit cards or entry-level options with limited benefits but easier approval.

Final Tip: Use a Credit Card Comparison Tool

Before you decide, use an online comparison platform to check:

  • Best credit card offers this month
  • Rewards calculators
  • Real-time approval odds

These tools save time and highlight which cards you’re most likely to get approved for, based on your profile.

Student loans vs. personal loans: what’s the real difference?

Read More

Common mistakes to avoid when taking out a loan

Read More

Tips for paying off a personal loan faster and smarter

Read More

Disclaimer

Under no circumstance we will require you to pay in order to release any type of product, including credit cards, loans or any other offer. If this happens, please contact us immediately. Always read the terms and conditions of the service provider you are reaching out to. We make money from advertising and referrals for some but not all products displayed in this website. Everything published here is based on quantitative and qualitative research, and our team strives to be as fair as possible when comparing competing options.

Advertiser Disclosure

We are an independent, objective, advertising-supported content publisher website. In order to support our ability to provide free content to our users, the recommendations that appear on our site might be from companies from which we receive affiliate compensation. Such compensation may impact how, where and in which order offers appear on our site. Other factors such as our own proprietary algorithms and first party data may also affect how and where products/offers are placed. We do not include all currently available financial or credit offers in the market in our website.

Editorial Note

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. That said, the compensation we receive from our affiliate partners does not influence the recommendations or advice our team of writers provides in our articles or otherwise impact any of the content on this website. While we work hard to provide accurate and up to date information that we believe our users will find relevant, we cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.