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Credit cards in South Africa
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 credit card purchases processed.
Value per credit card purchases processed increase from ZAR$476.67 in 2008 to ZAR$497.64 in 2009.
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Get up to R26,000 credit*
Take another step up in the world with a card that reflects who you are.
With credit limits of up to R26,000*, 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
Get up to R22,000 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 R22,000 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
Get up to R13,000 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 R13, 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
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
Service and insurance fees apply.
*Terms, conditions and affordability rules apply
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.