African Bank Gold Credit Card

Make a statement without saying a word

The African Bank Gold Visa Credit Card allows you to say who you are without saying a word. Switch to a credit card that offers you the freedom to live the lifestyle that you deserve

Apply for our Gold Credit Card to enjoy the following benefits:

  • 24 hour convenience and worldwide acceptance.
  • FREE* ALL till point purchases in South Africa are free
  • FREE* ATM withdrawals for the first two withdrawals
  • Credit Life Insurance – for peace of mind for life’s unexpected insurable events. You will be covered for :
    • Death
    • Permanent Disability
    • Temporary Disability
    • Retrenchment
    • Short Time
  • International acceptance by millions of merchants wherever you see the Visa logo. Receive additional discounts with Visa contracted merchants simply log onto for the full list of benefits in South Africa and internationally.
  • For additional Visa benefits visit

Register for Virtual Branch, African Bank's FREE online and mobile services, which enables you to access account information and services on the African Bank website. You will be able to:-

  • View balances
  • Request/view statements
  • Stop your lost/stolen card
  • Pay your account
  • Apply for a Limit Increase in Branch or on 0860 333 004 if your card account is four months or older, and the new limit is available immediately, if you qualify.

Ask your consultant to register you in branch when you apply for your credit card or do it yourself online by scrolling to the top of this page and click on Register.

Safety Tip!

  • Never give your Card, PIN or CVV number to anybody.
  • Always keep your PIN a secret
  • Always ensure that you receive your card back after ALL transactions and keep it in a safe place
  • To report a lost or stolen card or any other queries call 0861 000 555

Simply complete the necessary information after clicking the apply now button

In order to qualify for the Gold Credit Card, you need to be 18 years or older, and bring the following to apply:

  • ID
  • Latest original payslip
  • 3 months stamped bank statements
  • Proof of residence

With regards to **proof of residence; any of the following documents, amongst others, reflecting your name and current residential address are accepted:

  • Latest utility bill
  • Municipal account
  • Retailer account
  • Document from an insurance company
  • Payslip
  • Letter from a traditional authority
  • Ward counsellor
  • Declaration from a landlord and affidavit from a person who is living with you

All documents provided should be less than three months old to be accepted.

  Slide for more information
Gold Credit Card fees
Account fees
Monthly service fee R35.00
Initiation fee R75.00
Monthly transaction bundle R20.00
Card replacement fee R105.00
Funds transfer fee R5.50
Account management fees
SMS messaging service FREE
Statement reprint per page FREE
Payment fees
Debit order: Monthly earners (per attempt) R5.70
Debit order: Fortnightly earners (per attempt) R11.40
Debit order: Weekly earners (per attempt) R5.70
Deposit fee (Plus 1.1% of transaction value over R250) One deposit fee included in monthly transaction bundle R3.70
All POS purchase transactions in South Africa are FREE
ATM fees
Balance enquiry: One included in monthly transaction bundle, thereafter R3.00
Two cash withdrawals included in monthly transaction bundle, thereafter
ATM cash withdrawals more than R100 (Plus 1.2% of transaction value) R7.00
ATM cash withdrawals less than or equal to R100 R5.00
Denied transaction fees R3.00
International fees
POS Purchase R3.50
ATM balance enquiry R5.70
ATM cash withdrawal (Plus 1.10% of transaction value) R20.00
Interest rates
Debit interest rate* as per agreement
Credit interest rate 3% p.a
Interest rebate*** up to 8%
Credit Life Insurance**
Flat fee for monthly earners R11.00
Flat fee for weekly and fortnightly earners R20.00
Ad Valorem 8-10% p.a
All fees include 14% VAT. All fees and interest rates are variable and can be adjusted by African Bank with written notice to the cardholder, in accordance with the National Credit Act (2005).
** Credit Life Insurance is underwritten by Guardrisk Life Limited
***Only applicable to qualifying clients and products. Rebate is risk profile & credit behaviour dependant.
  • *This rate applies at time of print and is subject to changes in the repurchase rate as disclosed by the South African Reserve Bank.

Click on the informative African Bank Gold Credit Card brochures below to download: