Best credit cards in South Africa
Compare fees, interest rates and rewards across South Africa’s leading credit cards, then read our full independent review of each card.
FNB Aspire Credit Card
The FNB Aspire is one of the best mid-tier credit cards in South Africa, blending a reasonable fee with strong eBucks earning and useful travel perks. It's ideal for middle-income earners who use the FNB app.
Read full review →| Product | Score | Monthly fee | Interest rate | Rewards | Interest-free days | |
|---|---|---|---|---|---|---|
| FNB Aspire Credit Card FNB | 8.6 | Monthly feeApprox. R60 | Interest rateFrom prime + a margin | RewardseBucks | Interest-free daysUp to 55 | Review |
 Capitec Credit Card Capitec | 8.5 | Monthly feeApprox. R10 | Interest ratePersonalised | RewardsCash back | Interest-free daysUp to 55 | Review |
 Discovery Bank Credit Card Discovery Bank | 8.4 | Monthly feeTier dependent | Interest rateBehaviour-based | RewardsDiscovery Miles | Interest-free daysUp to 55 | Review |
 Absa Gold Credit Card Absa | 8.2 | Monthly feeApprox. R55 | Interest rateFrom prime + a margin | RewardsAbsa Rewards | Interest-free daysUp to 55 | Review |
Scores are based on our independent rubric and are never influenced by commercial relationships. Rates and fees can change, so always confirm the latest figures with the provider before applying.
Frequently asked questions
What is the cheapest credit card in South Africa?
Low-fee cards from banks like Capitec carry some of the lowest monthly fees. Always compare the monthly fee, the interest rate and any rewards together rather than the fee alone.
How do I qualify for a credit card?
Banks assess your income, credit score and affordability. A clean credit record and stable income improve both your approval odds and the interest rate you are offered.
Do credit cards have an interest-free period?
Most South African credit cards offer up to 55 interest-free days on purchases, provided you pay your full statement balance by the due date each month.
Which credit card has the best rewards?
It depends on how you spend. Ecosystem cards like FNB (eBucks) and Discovery (Miles) reward heavy users of their apps, while flat cash-back cards suit people who want simple value.