FNB Credit Cards
FNB Credit: FNB boasts some of the lowest transaction fees, allowing you to make
transactions and draw money free of charge which is uncommon amongst other South
African banks.
In order to apply for a credit card your financial situation will determine your
interest rate as well as limit offered.
FNB Silver Credit Card
The FNB Silver Credit Card is ideal for those earning between R36 000 – R99 999
per year. With the FNB Silver Credit Card you can set personalized credit limits
of between R3000 to R35 000. The FNB Silver credit card is ideal for young
professionals who have just started out in the working world.
FNB Gold Credit Card
If you earn between R100 000 – R349 00 per year then the FNB Gold credit card is
for you. With credit limits of between R10 000 – R60 000 and a balance transfer
option to help you consolidate your debt, the FNB gold credit card is perfect
for those young professionals who are starting to take strides in their careers
and who want the credit card to prove it. You can also take advantage of the
additional FNB Gold Credit Card benefits.
FNB Platinum Credit Card
If you earn R350 000 to R1.1 million a year then the FNB Platinum credit card
is perfect for you. With the ability to choose a credit limit of anything above
R30 000, the FNB Platinum Credit Card is great for business professionals who
have worked hard to earn their status. With a whole host of extra benefits as
well as all the benefits you have come to expect of FNB, this credit card has
everything you need.
|
CREDIT CARD |
SUITABLE INCOME (Per Annum) |
INITIATION FEE |
MONTHLY FEE |
INTEREST FEE PERIOD |
INTEREST RATES* |
|
FNB Platinum Credit Card |
R350 000 + |
R110.00 |
R36.66 |
2 Months |
Personalised |
|
FNB Gold Credit Card |
R140 000 + |
R110.00 |
R21.25 |
55 Days |
Personalised |
|
FNB Silver Credit Card |
R80 000 + |
R110.00 |
R14.00 |
U/A |
Personalised |
|
FNB Smart Credit Card |
R36 000 + |
R110.00 |
R28.00 |
44 Days |
Personalised |
|
FNB Standalone Petro Card |
N/A |
N/A |
R16.25 |
N/A |
U/A |
*FNB Credit Card now offer new customers personalised interest rates when they
apply for a credit card. The introduction of personalised pricing on its credit
card is designed to reward customers who have built themselves a good credit
profile over the years.
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ABSA Credit Cards
Absa offers a range of credit cards which have been designed to suite the needs and income of all South Africans, giving the general population a chance of financial empowerment. The Absa Credit Card allows users the power to purchase items online and at credit with an interest free period. This interest free period means that applying for credit with Absa can result in little additional cost. Be sure to compare the different Absa credit cards to see which one will meet your financial needs.
|
CARD |
SUITABLE INCOME (per month) |
MONTHLY FEE (+ transaction fees) |
INTEREST FREE PERIOD |
INTEREST RATE (VARIABLE)
|
|
ABSA Platinum Credit Card |
R25000 + |
R35.00 |
Up to 57 days |
15.5% – 17.5% |
|
ABSA Gold Credit Card Affinity Card Available |
R10000 + |
R16.00 |
Up to 57 days |
19.5% |
|
ABSA Silver Credit Card Affinity Card Available |
R4000 + |
R12.00 |
Up to 57 days |
20.5% |
|
ABSA Classic Credit Card |
R2000 + |
R16.00 |
Up to 57 days |
20.5%- 24.5% |
|
ABSA Electronic Credit Card |
R2000 + |
R16.00 |
Up to 57 days |
20.5%- 24.5% |
|
ABSA Private Credit Card |
R750000 + per annum |
R53.00 |
Up to 57 days |
12.5% |
|
ABSA Student Credit Card |
Full Time Students 18- 29 years of age R200 + |
N/A |
Up to 57 days |
20.5% |
|
ABSA Garage Credit Card |
N/A |
N/A |
N/A |
Calculated on purchases from transaction date |
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American Express Credit Card
Currently Nedbank offers American Express Credit cards in blue, gold and platinum as well as gold and green charge cards. Be sure to consider the added benefits of using an American Express credit card when comparing credit cards
for your needs.
Utilising an American Express credit card gives you the added benefits of financial independence, personalized credit cards, travel services, foreign exchange and financial services. Amex also offers a rewards programme in which you are able to earn points with every American Express transaction you make.
Card |
Suitable Income |
Initiation Fee |
Yearly Fee |
Interest Free Period |
Debit Interest Rate |
Amex Blue Credit |
R36000 + |
U/A |
R160.00 |
55 days |
19.85% |
Amex Gold Credit |
R120000 + |
U/A |
R250.00 |
50 days |
18.90% |
Amex Platinum Charge |
R750000 + |
U/A |
R2850.00 |
55 days |
17.00% |
Amex Gold Charge |
R200000 + |
U/A |
R450.00 |
55 days |
17.25% |
Amex Corporate and Business Charge Card |
U/A |
U/A |
U/A |
U/A |
15.50% |
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Vodacom Credit Card
Vodacom Credit Card offers the widest range of rewards which are aimed at
targeting and benefiting the general population of South Africa. Make sure to
weigh the rewards against the cost and interest rates of the credit card when
choosing and comparing South African credit
cards.
The Vodacom Credit Card, in association with the Vodacom Credit Card, not only
looks after your financial needs but offers you a range of rewards and benefits.
Benefits include offers and discounts on leisure, education, travel,
including 25% off the standard Mango Rate, (t & C apply). You also have the
opportunity to earn Yebo bucks every time you use your card for a transaction.
Vodacom Credit Cards Rates
Interest Free Period |
55 days |
Interest Rate |
Variable |
Loyalty subscription (monthly) |
R 33.00 |
Service/Card Fee |
Free |
Card Fee - If not a loyalty member (monthly) |
R 14.25 |
Tenant/Secondary Card - Service/Card Fee (monthly) |
R 9.16 |
Initiation fee (once off) |
R 115.00 |
Personal Delivery Fee (including card replacement fee) |
R 150.00 |
Debt Protection Plan 1 pm (per R1000 outstanding) |
R 3.00 |
Debt Protection Plan 2 pm (per R1000 outstanding) |
R 5.00 |
Cheque Clearance Fee |
R 175.00 |
Rejected Debit Order Handling Fee |
R 16.80 |
Debit Order Handling Fee |
Free |
Value-Add Services |
|
Yebo messaging (SMS and e-mail) |
Free |
Changes to account limits |
Free |
Email statements |
Free |
Lost card protection |
Free |
Online banking subscription |
Free |
Electronic transfer fee |
R8.00 |
Payment |
R 8.00 |
SMS to 3rd party |
Free |
Fax to 3rd party |
R 4.00 |
Payments & Purchases |
|
Credit card purchases |
Free |
Credit card budget purchase |
Free |
Cheque deposit fee (of the R’ value of Tax) |
R20.00 |
International currency conversion fee (of the R’ value of Tax) |
2.75% |
Cash Deposit |
|
Flat fee |
R 5.50 |
Plus % of transaction value |
1% |
Cash Withdrawal Fee- ATM |
|
Flat fee |
R 11.00 |
Plus % of transaction value |
1% |
Maximum charge |
n/a |
Branch Cash Withdrawals (FNB only) |
|
Flat fee |
R 30.00 |
Plus % of transaction value |
1.05% |
Maximum charge |
n/a |
Cash on Budget |
|
Flat fee |
R 30.00 |
Plus % of transaction value |
1.25% |
Maximum charge |
n/a |
Overseas Withdrawals: ATM & Counter Fee |
|
Flat fee |
R 23.50 |
Plus % of transaction value |
1% |
Balance Enquiries |
|
FNB ATM |
Free |
FNB branch |
R 4.00 |
International |
R 4.00 |
Saswitch ATM |
R 4.00 |
Mini ATM balance enquiry fee |
R 4.00 |
Statements |
|
FNB Mini ATM |
R3.50 |
FNB branch mini print fee |
R 3.50 |
FNB branch statement print fee (per page) |
R 4.50 |
Penalty Fees |
|
Declined authorisation fee |
R 5.50 |
Charges on unpaid cheque |
R 175.00 |
Over limit fee |
n/a |
Unpaid automatic payment |
R 175.00 |
Late payment fee |
n/a |
Balance transfer early settlement fee |
R 185.00 |
Reschedule fee |
R 55.00 |
Special arrangement fee |
R 195.00 |
Voucher Retrieval Request |
|
Local voucher |
R 55.00 |
International voucher |
R185.00 |
Additional Fees |
|
Arrears fee |
R 100.00 |
Dual statement fee (email and print) |
R 9.00 |
Section 129 letter fee |
R 33.78 |
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Blue Bean Credit Card
The bluebean credit card is designed to simplify your life and give you added-value with a broader range of products and services, in addition, the bluebean credit card gives you the privilege to online and telephonic shopping at the bluebean Ware House which offers you an amazing range of leading brand goods at below retail prices, with free delivery to your door.
Features of the credit card:
- competitive pricing and interest rates
- the ability to withdraw funds at an ATM
- free travel insurance
- free delivery to your door
- free access to mobile and Internet banking
- generous budget and straight limits
- the ability to acquire multiple secondary cards and garage cards for
additional family members, all linked to the primary account - the ability to transfer your budget to your straight limit and have more
expendable cash - free Lost Card Protection (LCP) to safeguard your account
- free annual ProRange membership at all centres nation-wide
Qualifying Criteria |
Features and Benefits |
|
BLUEBEAN Gold
|
|
|
BLUEBEAN Classic
|
|
|
BLUEBEAN Silver
|
|
|
BLUEBEAN Classic MCE
|
|
|
BLUEBEAN Manchester United
|
|
|
BLUEBEAN Manchester United MCE
|
|
|
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SAA Voyager credit card
With the SAA Voyager credit card you are able to earn a vast amount of rewards and take advantage of many benefits. You are even able to earn voyager miles through your American Express Card, allowing for longer time in the air and
overseas.
The SAA Voyager Credit Card is offered by South African Airways in Partnership with Nedbank. SAA offers a range of Voyager cards;
Classic, Gold and Premium in order to cater for a wide range of financial situations.
Before applying for your Voyager Card make sure to check which income bracket you fit into to ensure that you earn the most points available to you. You are able to compare the SAA Voyager programme with other airline sponsored credit cards such as Virgin and Kulula.
Use your Voyager Card anywhere, any time and you will earn Voyager Miles at an astonishing rate.
Card |
Suitable Income p/a |
Initiation Fee |
Annual Fee |
Interest Free Period |
Debit Interest Rate (variable) |
SAA Voyager Classic |
R36000 + |
Free |
R300.00 |
N/A |
20.15% |
SAA Voyager Gold |
R120000 + |
Free |
R550.00 |
N/A |
19.90% |
SAA Voyager Premium |
Voyager credit card: Call 0861 263 464 or visit a Nedbank branch
