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Credit cards in South Africa
As at 31st December 2011, the banking institutions in South Africa reported a total credit cards debtors of ZAR$61.964 billion. This is an increased of
ZAR$5.405 billion or 9.56% compares to ZAR$56.559 billion in the same period for 2010.
For year 2011, there are 319.541 million credit card purchases processed in South Africa, an increase of 25.395 million or 8.63% compares
to 294.146 million total credit card purchases processed in 2010.
Total value of credit card purchases processed in 2011 is ZAR$166.327 billion, an increase of ZAR$16.713 billion or 11.17% compares to ZAR$149.614 billion
in 2010. The increase in value is constant with the increase in total number of credit card purchases processed.
Value per credit card purchases processed increase from ZAR$508.64 in 2010 to ZAR$520.52 in 2011.
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Get up to R46,000 credit*
Take another step up in the world with a card that reflects who you are.
With credit limits of up to R46,000*, the Gold Credit Card from African Bank takes into account who you are, rather than how much you earn.
Discover what 24-hour convenience and worldwide acceptance from a Visa Gold Credit Card can do for you to help you improve your life and make the right decisions.
Key Benefits of the Gold Credit Card include:
Your limit is not based on what you earn. It depends on what you can afford to repay.
On approval, your card is issued to you immediately in branch, so there is no need to wait
Safety - there's no cash to carry around and when you use your card, you have to enter a PIN number known only by you to complete the transaction
International acceptance by millions of merchants
Convenience
Up to 60 days interest free credit on purchases if you settle your outstanding balance in full by the due date
Greater control over your finances with monthly repayments of 5% of your straight limit.
Monthly statements to help you monitor your account
FREE* transaction fees on Silver and Gold Credit Cards when making purchases at a till point
FREE* SMS notification service for Silver and Gold Credit Cardholders
FREE* ATM withdrawals for Silver and Gold Credit Cardholders for the first four withdrawals
*Terms, conditions and affordability rules apply
Make a statement without saying a word
Say who you are without saying a word. Time to switch to a card that makes a statement and performs like you do. The African Bank Visa Gold Card offers you the freedom to live the lifestyle you deserve. 24 hour convenience and worldwide acceptance makes the Gold Credit Card the perfect choice.
The quickest and easiest way to get funds
Personal Loans between R500 - R150 000 over 1 Months to 60 Months
A personal loan does not require the applicant to own a home. A personal loan is unsecured debt, so even if you own a home, you do not have to use it as security to get the additional funds.
The application process is fast and efficient since there are no face to face interviews or long detailed paperwork to complete for your personal loan. Once the documentation - which you will receive via email - is completed, it can be faxed or emailed back to us.
Personal loans can be used for a variety of purposes. The money you receive can be used however, for whatever you like. This includes anything from appliances, furniture, renovations and school fees to a much deserved family holiday, or to consolidate your existing accounts.
Repayments of your personal loan are done over a number of months so as not to place too much additional pressure on the applicant.
Our partners offer a direct finance facility which means the funds are deposited directly into your bank account.
Cash strapped? Fast Online Loans
Applying for short term credit with Get Bucks is not only simple, but it is completely online and application disbursements are under an hour*. That means that there is no queues that you need to go stand in, or stacks of paperwork that you need to fill in and submit by hand.
Our unique service is online from start to finish. We are capable of delivering our approved loans to our clients so easily and quickly due to our revolutionary backend systems. We use the latest technology to eliminate the bottlenecks traditionally encountered with more traditional lenders.
* Kindly note that transfer times to various banks may vary from our stated intention and only applies during business hours.
We want you to enjoy the life you want to live, right now
With African Bank, you don’t have to wait for life to start. You can enjoy the lifestyle you want now, with African Bank’s personal loans tailor made for you. You might need credit for adding that extra room to the house, for your own or your child’s education or may want to pay off your debt.
Whatever your needs, African Bank offers personal loans up to R180,000* with comfortable terms of up to 84 months* to repay. Or, if you prefer, shorter repayment plans are also available.
Loan size up to R180,000
Interest and Fees
Term of Loan
More affordable repayments on extended terms
36 to 84 month repayment terms to suit your needs
Payout Method - Direct credit payment to your transactional account of the total loan value
Repayment Frequency - Automatic debit order deduction of repayments from your bank account at the end of each month
Credit Life Insurance - Protects you financially and settle any outstanding balances in the event of death or permanent disability. Peace of mind that your instalment is covered in the event of retrenchment and temporary disability.
African Bank understands your financial needs and have already planned for them. You'll find that our unrivalled experience as South Africa's No.1 unsecured credit provider has helped us shape smart credit solutions to help you plan responsibility for your long term goals and improve your quality of life.
Get up to R27,000 credit*
You're ready to take that next step up in life, you're achieving more, doing more and living more, now get a card that can live up to your demands. The new Silver card from African Bank with credit limits of up to R27,000 can fit into your lifestyle effortlessly.
24-hour convenience and world-wide acceptance makes the African Bank Visa Silver credit card a smart choice for people moving up.
Benefits of the Silver Credit Card include:
Your limit is not based on what you earn. It depends on what you can afford to repay.
On approval, your card is issued to you immediately in branch, so there is no need to wait
Safety - there's no cash to carry around and when you use your card, you have to enter a PIN number known only by you to complete the transaction
International acceptance by millions of merchants
Convenience - your card fits into your wallet or purse and can be used any time of the day or night
Up to 60 days interest free credit on purchases if you settle your outstanding balance in full by the due date
Greater control over your finances with monthly repayments fixed at between 6.5% of your straight limit.
Monthly statements to help you monitor your account
FREE* transaction fees on Silver and Gold Credit Cards when making purchases at a till point
FREE* SMS notification service for Silver and Gold Credit Cardholders
FREE* ATM withdrawals for Silver and Gold Credit Cardholders for the first four withdrawals
*Terms, conditions and affordability rules apply
Nothing says success like an African Bank Visa Credit Card
You’re living in the fast lane. You’re a mover and a shaker. But with success comes a lifestyle that demands more from a credit card. An African Bank Visa Silver Card bridges the gap, offering you more choice, more purchase power and more freedom.
Get up to R20,000 credit*
The Blue Classic Credit Card from African Bank suits your budget as well as your fast-paced life.
It's like a new best friend, dependable, accessible, and filled with benefits to help you enjoy life even more.
With card limits set at a maximum of R20,000, it's perfect for those who are new to the world of credit. You can buy the things you want without worrying about your spending getting out of control.
The Blue Classic Credit Card is accepted at most shops, stores, restaurants and places of business where you see the VISA logo displayed.
It's also cheaper to swipe your card at these stores to pay for your purchase, that way, there's no need to worry about carrying cash around
Now you don’t need to carry cash. You can use your card wherever you see the Visa logo. At shops, stores, fast food outlets and places of business around the country.
The African Bank Classic Credit Card includes these incredible features:
Your limit is not based on what you earn. It depends on what you can afford to repay.
On approval, your card is issued to you immediately in branch, so there is no need to wait
Safety - there's no cash to carry around and when you use your card, you have to enter a PIN number known only by you to complete the transaction
Convenience - your card fits into your wallet or purse and can be used any time of the day or night
Up to 60 days interest free credit on purchases if you settle your outstanding balance in full by the due date
Greater control over your finances with monthly repayments of 10% of your straight limit
Monthly statements to help you monitor your account
Put the power in your pocket with African Bank’s Blue Credit Card
You’re moving up in life. Nothing can slow you down. Then the Blue Credit Card is for you. Discover the simplest, most convenient way to pay, day or night, 365 days a year. With card limits set at a maximum of R20,000*, African Bank’s Visa Blue Credit Card is perfect for those who want the freedom of a credit card, without the risk of their spending getting out of control.
Service and insurance fees apply.
*Terms, conditions and affordability rules apply
Credit cards in South Africa 2009-2010
As at 31st December 2010, the banking institutions in South Africa reported a total credit cards debtors of ZAR$56.559 billion. This is an increased of
ZAR$823 million or 1.48% compares to ZAR$55.736 billion in the same period for 2009. As at 31st March 2011, total credit cards debtors stood at ZAR$57.674 billion.
As at 30th September 2011, total credit cards debtors stood at ZAR$60.274 billion.
For year 2010, there are 294.146 million credit card purchases processed in South Africa, an increase of 8.403 million or 2.94% compares
to 285.743 million total credit card purchases processed in 2009. For the first three months from January to March 2011, there are 75.081 million credit card purchases
processed in South Africa, an increase of 5.437 million or 7.81% compares to 69.644 million in the same period in 2010. For the first nine months from January to
September 2011, there are 209.445 million credit card purchases processed in South Africa.
Total value of credit card purchases processed in 2010 is ZAR$149.614 billion, an increase of ZAR$7.416 billion or 5.22% compares to ZAR$142.198 billion
in 2009. This increase in value is constant with the increase in total number of credit card purchases processed. For the first three months from January to March 2011,
total value of credit card purchases processed is ZAR$38.285 billion, an increase of ZAR$2.748 billion or 7.73% compares to ZAR$35.537 billion in the same period in 2010.
For the first nine months from January to September 2011, total value of credit card purchases processed is ZAR$120.517 billion.
Value per credit card purchases processed increase from ZAR$497.64 in 2009 to ZAR$508.64 in 2010.
Credit cards in South Africa 2008-2009
As at 31st December 2009, the banking institutions in South Africa reported a total credit cards debtors of ZAR$55.736 billion. This is a decreased of
ZAR$1.609 billion or 2.81% compares to ZAR$57.345 billion in the same period for 2008.
For year 2009, there are 285.743 million credit card purchases processed in South Africa, a significant decrease of 51.427 million or 15.25% compares
to 337.170 million total credit card purchases processed in 2008.
Total value of credit card purchases processed in 2009 is ZAR$142.198 billion, a decrease of ZAR$18.521 billion or 11.52% compares to ZAR$160.719 billion
in 2008. This drop in value is constant with the decreasing total number of credit card purchases processed.
Value per credit card purchases processed increase from ZAR$476.67 in 2008 to ZAR$497.64 in 2009.
Credit cards growth in South Africa
The economy of South Africa has been in an upswing since September 1999
In the second quarter of 2008 South Africa’s gross domestic product (GDP) rose by 4.9%.
The South African Reserve Bank (the SARB) is the central bank of the Republic of South Africa.
Retail banks had been trying to enter previously untapped lower-income markets, with some making extensive use of credit cards.
Thus credit cards in South Africa has recorded considerable growth where issuers tempt consumers with enticing products and offers.
In the past two years, the amount of loans granted through credit cards had grown 40% a year.
We hope this section will help South African to get the best credit card offers available in the market.
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All card applications are strictly confidential.
You are allowed to apply for more than one card.
Your application is safe and secure with SSL encryption technology.
Safe and secure online application with SSL encryption technology.
All card applications are strictly confidential.