FinanceHero / South Africa / Credit Cards
Compare monthly fees, borrowing rates and repayment requirements.
Consumer credit cards
| Card | Account / card fee | Borrowing rate | Interest-free period | Minimum payment | Cash / FX fees | Eligibility | Key caveat |
|---|---|---|---|---|---|---|---|
Standard Bank South AfricaGold Credit Card | ZAR 64 monthly for standalone card, including R40 service fee.Issuance: ZAR 200 | Personalised borrowing rate; not an all-in APR. | Up to 55 days on eligible purchases if paid in full; cash excluded. | At least 3% monthly. | Cash: Not available FX: Not available | Over 18; R5,000 per month; credit assessment. | Standalone price; qualifying account bundles may differ. Cash interest starts immediately.Insurance: Mandatory Credit Card Protection Plan; premium not verified.Late fee: Not available |
Standard Bank South AfricaTitanium Credit Card | ZAR 110 monthly for standalone card, including R40 service fee.Issuance: ZAR 200 | Personalised borrowing rate; not an all-in APR. | Up to 55 days on eligible purchases if paid in full; cash excluded. | At least 3% monthly. | Cash: Not available FX: Not available | Over 18; R25,000 per month or a postgraduate degree; credit assessment. | Standalone price; qualifying account bundles may differ. Cash interest starts immediately.Insurance: Not verified; confirm applicable cover and premium.Late fee: Not available |
Capitec BankCredit Card | ZAR 50 monthly.Issuance: ZAR 100 | Not verified | Up to 55 days on purchases when full outstanding balance is paid by the due date. | Straight facility starts at 5% of outstanding balance monthly; budget repayments differ. | Cash: Not available FX: Not available | 18 or older; credit and affordability assessment. Minimum income not verified. | Published minimum income and interest ranges differ across official pages. Confirm your personalised offer; budget purchases accrue interest.Insurance: Not availableLate fee: Not available |
Absa Bank South AfricaGold Credit Card | ZAR 69 monthly.Issuance: Not available | Not available | Up to 57 interest-free days, subject to qualifying purchases and repayment conditions. | 3% of outstanding balance monthly. | Cash: Not available FX: Not available | 18 or older; minimum monthly income R7,000; affordability assessment. | Interest, initiation, cash and FX charges are additional or not verified; confirm the offer before borrowing.Insurance: Not availableLate fee: Not available |
FNB (FirstRand Bank)Aspire Credit Card | ZAR 65 monthly.Issuance: ZAR 210Maximum initiation fee, not a fixed charge. | Personalised borrowing rate; not an all-in APR. | Up to 55 interest-free days; confirm qualifying transactions and full-payment conditions. | Not available | Cash: Not available FX: Not available | Published income band R42,000-R450,000 per year; credit assessment. | Initiation up to R210. Optional insurance top-up costs extra; Aspire bank-account bundle is a different price.Insurance: Automatic debt cover up to R5,000; optional top-up is charged.Late fee: Not available |
Checked: 7 Oct 2026 · Sources: standardbank.co.za · capitecbank.co.za · absa.co.za · fnb.co.za
Fees may exclude statutory charges.