Credit card ledger
| Who it's for | Key number to check | Compare |
|---|---|---|
| First card or building credit Approval needs and annual fee | Approval needs and annual fee | Compare |
| Pulse pick Everyday cashback Flat rate vs rotating categories | Flat rate vs rotating categories | Compare |
| Carrying a balance 0% intro APR length and transfer fee | 0% intro APR length and transfer fee | Compare |
| Travel and miles Foreign transaction fee and bonus spend | Foreign transaction fee and bonus spend | Compare |
| Students No annual fee and credit-building tools | No annual fee and credit-building tools | Compare |
Visa · cashback
Best for: Individuals with a steady income looking for a budget-friendly credit card with cashback rewards.
The Nedbank Gold Credit Card is those seeking a low-cost credit option with cashback rewards. However, the relatively high APR range of 18.25% to 20.75% may deter long-term users who carry balances.
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Amex · travel
Best for: Frequent travellers with a strong credit score who can comfortably spend R10,000 in the first three months.
The American Express Gold Card is an excellent choice for frequent travellers looking for rewards and perks, but the R1,440 annual fee may deter casual users.
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Visa · cashback
Best for: Individuals with a minimum monthly income of R7,000 who frequently travel and value cashback rewards.
The Absa Gold Credit Card is appealing for those who travel frequently and want to earn cashback on purchases. However, the minimum income requirement of R7,000/month may limit access for some potential applicants.
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Visa/Mastercard · travel
Best for: Frequent SAA travellers with a monthly income of R25,000 or more who want to maximise travel rewards.
This card provides solid travel perks for frequent flyers, but the annual fee of R2,316 can be steep for occasional travellers. If you're a regular SAA user and earn enough Voyager Miles, it could be worthwhile.
View cardVisa · cashback
Best for: This card suits casual spenders who can benefit from cashback and travel perks without incurring high fees.
The Capitec Credit Card offers decent cashback rewards and travel benefits for a low monthly fee, making it a practical choice for everyday spending.
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Visa · cashback
Best for: Ideal for new credit users looking to build their credit history with FNB.
The FNB Gold Credit Card serves as a decent entry point into the bank's rewards ecosystem, though it lacks some detailed fee information.
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