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.

Benefits

When applying for a Gold Credit Card, these are the great benefits you’ll enjoy.

Benefits
Free
Free

Till point transactions in South Africa

Free
Free

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
Identity document
Proof of income latest 3 pay slips
Proof of income latest 3 pay slips
Latest bank statement with 3 deposits
Latest bank statement with 3 deposits
Proof of residence
Proof of residence

Apply for a credit card

Please provide a valid email address

Pricing

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 Please note that all fees may be adjusted and all rebates may be amended or withdrawn by African Bank at any time upon written notice to the cardholder, in accordance with the National Credit Act 34 of 2005.

ACCOUNT FEES
Monthly service fee

R68.40

Card replacement fee

R114.00

Funds transfer fee

R5.50

ACCOUNT MANAGEMENT FEES
SMS messaging service

FREE

Statement reprint per page

FREE

POINT OF SALE (POS)
Purchase in South Africa

FREE

Cash back at POS

R7.50

pricing courier
PAYMENT FEES
Deposit fee (Plus 1.30% of transaction value over R250)

R5.70

 

ATM FEES
Balance enquiry

R5.70

ATM cash withdrawals above R100 (Plus 1.50% of transaction value)

R11.40

Declined transaction fees

R5.70

INTERNATIONAL FEES
POS Purchase transactions

R5.70

ATM balance enquiry

R5.70

ATM cash withdrawal (Plus 1.50% of transaction value)

R22.80

INTEREST RATES
Credit interest rate

3% p.a

Debit interest rate

as per agreement

Downloads

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

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