African Bank | Credit | Gold Credit Card

Gold credit card

Make a great impression without uttering a single word. Life is worth living the way you deserve to and with our Gold Visa Credit Card, this could be the right choice for you. It’s tailor-made to completely meet your financial and lifestyle needs.


When you apply for an African Bank Gold Credit card, you will enjoy these benefits:

silver card
Till point transactions in South Africa
SMS notification service

For unforeseen, insurable circumstances get peace of mind with our Credit Life Insurance. You’ll be covered for:

  • Permanent Disability
  • Temporary Disability
  • Death
  • Retrenchment

For our free online and mobile services, register online where you can access your account information and services on our website where you can:

  • Request to view bank statements
  • View balances
  • Pay your account
  • Stop your stolen/lost bank card
  • Apply for a limit increase online or call 0860 333 004 if your card account is four months or older. If you qualify, your new limit will be available immediately.

How to apply

At African Bank, we offer credit that’s designed to meet your financial needs, with easy repayment plans. You need to be 18 years or older to qualify for the Gold Credit Card. To find out what credit you qualify for, complete the form below and get an online offer. To make your application process easier and quicker, you will also need to upload:

Identity document

Proof of income latest 3 pay slips

Latest bank statement with 3 deposits

Proof of residence

Apply for a credit card


All fees include 14% VAT. Interest rates are variable. Please note that all fees may be adjusted and all rebates may be amended or withdrawn by African Bank at any time upon written notice to the cardholder, in accordance with the National Credit Act 34 of 2005.

Monthly service fee R68.40
Card replacement fee R114.00
Funds transfer fee R5.50
SMS messaging service FREE
Statement reprint per page FREE
Purchase in South Africa FREE
Cash back at POS R7.50
Deposit fee(Plus 1.30% of transaction value over R250) R5.70
Balance enquiry R5.70
ATM cash withdrawals above R100 (Plus 1.50% of transaction value) R11.40
ATM cash withdrawals less than or equal to R100 R5.70
Declined transaction fees R5.70
POS Purchase transactions R5.70
ATM balance enquiry R5.70
ATM cash withdrawal (Plus 1.50% of transaction value) R22.80
Credit interest rate 3% p.a
Debit interest rate
as per agreement


To download more information, click on any of our helpful Gold Credit Card brochures below:

Gold Credit Card brochure PDF
Pricing for all Card types
Culture to control your budget
Income Expense Declaration
Card terms & conditions
Use credit wisely