What to consider when choosing a credit card
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Be sure to compare credit card interest rates to find the best one for your needs and budget.
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Read up on all costs involved, including service fees and extra charges to help you stay on top of your spend.
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Look for features like free card swipes and credit card rewards and benefits so you can get the most value for less.
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Secure self-service channels can help you manage your card and make payments easily, whenever and wherever.
Let us help you find the right credit card
Choose up to 3 features that are important to you.
Unselect all
Rates and fees
Convenience and control
Rewards and discounts
Credit life insurance
Travel benefits
Our top cards
Our suggested cards
New Nedbank Gold
Rates and fees
R40 monthly service fee.
Credit facility fee from R20 a month.
R32 optional Greenbacks linkage fee.
Zero charges on card swipes.
Convenience and control
Get an additional card for R40.
Manage your card with the Money app or Online Banking.
Tap and go payment feature.
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Create a virtual card on the Money app to make online payments without needing to provide your physical card details.
Flexibility
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balance.
Change your credit limit on request.
Use your card in-store, online, at ATMs or abroad.
Rewards and discounts
Get up to 2% unlimited cash back on your card spend.
Use your card to pay and get up to 60% off your Nu Metro movie tickets. See details
Get 25c cash back for every litre of fuel when you fill up at bp with your Greenbacks-linked card.
Use your Greenbacks SHOP Card at leading stores that accept American Express.
Earn more Greenbacks with every purchase when using your Greenbacks-linked American Express card at accepting stores.
Credit life insurance
Card includes purchase protection with a chargeback option.
Optional credit life cover in case of death, disability, critical illness or retrenchment.
Travel benefits
Optional top-up travel insurance available.
Enjoy Greenbacks Exclusive discounts. Up to 30% off your flights when booking through Greenbacks Travel on the Avo SuperShop.
Security
Get real-time SMSs for transactions.
Set your transfer and withdrawal limits using the Money app.
Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.
Stop or block your card at any time using Online Banking or call 0800 110 929.
Your card is chip- and PIN-enabled for added security.
Overview
R60 p/m
R5,000 p/m
Up to 55
Personalised
Nedbank Platinum
Rates and fees
R67 monthly service fee.
Credit facility fee from R32 a month.
Zero charges on card swipes.
Convenience and control
Free face-to-face card delivery on your new account.
Get an additional card for R45.
Manage your card with the Money app or Online Banking.
Tap and go payment feature.
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Create a virtual card on the Money app to make online payments without needing to provide your physical card details.
Flexibility
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balance.
Change your credit limit on request.
Use your card in-store, online, at ATMs or abroad.
Rewards and discounts
Get up to 2% unlimited cash back on your card spend.
Use your card to pay and get up to 60% off your Nu Metro movie tickets. See details.
Get 25c cash back for every litre of fuel when you fill up at bp with your Greenbacks-linked card.
Earn Greenbacks on all eligible spend.*
Use your Greenbacks SHOP Card at leading stores that accept American Express.
Earn more Greenbacks with every purchase when using your Greenbacks-linked AMEX card at accepting stores.
Credit life insurance
Card includes purchase protection with a chargeback option.
Optional credit life cover in case of death, disability, critical illness or retrenchment.
Travel benefits
Enjoy Greenbacks Exclusive discounts: up to 30% off your flights when booking through Greenbacks Travel on the Avo SuperShop.
Get travel insurance of up to R3 million.
Enjoy the Bidvest Premier Club domestic airport lounges up to 12 times a year.
Get up to 10% off at Booking.com
Get up to 15% off at Avis and 10% at Hertz
Security
Get real-time SMSs for transactions.
Set your transfer and withdrawal limits using the Money app.
Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.
Stop or block your card at any time using Online Banking or call 0800 110 929.
Your card is chip- and PIN-enabled for added security.
Overview
R99 p/m
R25,000 p/m
Up to 55
Personalised
The American Express Gold
Rates and fees
R82 monthly service fee.
R190 once-off initiation fee.
R21 credit facility fee.
R32 monthly Membership Rewards fee.
Free lost card replacement. R450 for same-day delivery.
Zero charges on card swipes.
Convenience and control
Personal card delivery for R170.
Add multiple cards at no extra cost to share your card benefits.
Manage your card with the Money app or Online Banking.
Tap and go.
Scan to pay using QR codes.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Flexibility
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balance.
Change your credit limit on request or apply to increase your limit.
Use your card at any Amex accepting merchant in-store, online, at ATMs or abroad.
Rewards and discounts
Use your card to pay and get 50% off your Nu Metro movie tickets. See details.
Earn 1 Membership Rewards point for every R5 eligible* spend. There is no limit on points you can earn and they never expire.
Pay with points or withdraw your points as cash at any ATM. Get your complimentary Membership Rewards Card
Exclusive seasonal Cardmember offers at partnered merchants.
Earn a monthly Avo voucher when you spend R3,500 or more a month.
Earn 5,000 bonus points if you spend R10,000 in the first 3 months.
Credit life insurance
Optional credit insurance in case of death, disability, critical illness or retrenchment.
Travel benefits
Get travel insurance of up to R4 million.
Enjoy the Bidvest Premier Club domestic lounges up to 12 times a year.
Use Membership Rewards points to book holidays.
Save with car rental discounts locally from Hertz and Avis.
Security
Get real-time SMSs for transactions.
Set your transfer and withdrawal limits using the Money app.
Block and replace or freeze and unfreeze your card using the Money app or cellphone banking.
Stop or block your card at any time using Online Banking or call 0800 110 929.
Your card is chip- and PIN-enabled for added security.
Overview
R137 p/m
R17,000 p/m
Up to 55
Personalised
The American Express Platinum
Rates and fees
R515 monthly service fee.
R190 once-off initiation fee.
Free access to the Membership Rewards Programme.
Free lost card replacement and delivery.
Zero charges on card swipes.
Convenience and control
Add multiple cards at no extra costs to earn more rewards and share your card benefits.
Manage your card with the Money app or Online Banking, including changing your credit limit on request.
Use tap and go, scan to pay using QR codes, and link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Flexibility
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balance.
Use your card at any Amex accepting merchant in-store, online, at ATMs or abroad.
Rewards and discounts
Earn 30,000 Membership Rewards points when you get approved for the Card and spend R10,000 in the first 3 months.
Enjoy exclusive access to the Amex for Foodies dining programme, with up to 20% off your bill at 30 premium restaurants.
Enjoy 1 year of complimentary access to Hole19’s premium4 features. Use accurate GPS distances to make confident decisions on the golf course with Hole19.
Get 3 months’ complimentary streaming when you use your Platinum Card to pay for Netflix, Amazon Prime, Spotify, Showmax or Audible.
Automatic Platinum status with Tsogo Sun for access to discounts on movies, dining and accomodation.
Earn an accelerated 1.5X Membership Rewards points on everyday spend. Link up to 10 supplementary cards and earn on all of the spend.
Credit life insurance
Optional credit life insurance in case of death, disability, critical illness or retrenchment.
Travel benefits
Get travel insurance of up to R10 million.
Relax at over 1,200 lounges in 400 cities around the globe with Priority Pass. Receive unlimited access to any local Bidvest Premier Lounge.
Enjoy The Centurion Lounge, exclusively for American Express Platinum Credit Card Members.
With the American Express Global Lounge Collection, enjoy access to over 1,400 airport lounges across 650 cities around the world.Enjoy access to worldwide and domestic upgrade to your airport experience with fastrack VIP meet and greet services at select airports worldwide.
Get a 20% discount on Fastrack VIP Airport meet and greet services using your Amex Platinum card at airport lounges.
Get a complimentary upgrade to the award-winning first-class cabin when booking in Business Class with Etihad Airlines (as well as discounts up to 15%), and discounts up to 10% on Emirates and 20% on Qatar Airways.
Enjoy Platinum Rewards membership at Tsogo Sun Hotels for access to great benefits, like saving 15% when dining, 50% off movies and earning 10% back in SunRands to use towards future stays.
Enjoy competitive rates and complimentary benefits that offer an average total value of $550 at over 1,200 extraordinary properties worldwide when you book your stay at Fine Hotels & Resorts.
Enjoy elite tier status at Hilton Honors Gold, MeliaRewards Platinum, and Radisson Rewards Gold.
Enjoy 30% off your stay at all aha Hotels and Lodges locations throughout Southern Africa.
Access dedicated concierge services, including 24/7 travel services.
Join the Avis President’s Club and get discounts on car hire worldwide.
Security
Your card is chip- and PIN-enabled for added security. Transactional SMS notifications are available.
Set your transfer and withdrawal limits using the Money app.
Block and replace or freeze and unfreeze your card using the Nedbank Money app, Online Banking or by calling 0800 110 929.
Stop or block your card at any time using Online Banking or call 0800 110 929.
Overview
R515 p/m
R62,500 p/m
Up to 55
Personalised
SAA Voyager Gold
Rates and fees
R754 annual service fee.
R160 replacement card fee.
Credit facility fee of R29 a month.
Zero charges on card swipes.
1 Free supplementary card, thereafter you will be charged R40 per month for other supplementary cards.
Automatic enrolment to the Voyager Rewards programme.
Convenience and control
Manage your card with the Money app or Online Banking.
Tap and go.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Get monthly electronic statements.
Scan to pay using QR codes.
Create and use your virtual card for even more secure online and in-app payments.
Flexibility
Change your credit limit on request.
Use your card in-store, online, at ATMs or overseas.
Flexible repayment options.
Minimum repayment of 5% on outstanding balances.
Pay off your purchases over time with the budget facility.
Credit life insurance
Optional credit insurance in case of death, disability, critical illness or retrenchment.
Rewards and discounts
Earn unlimited Miles faster on your American Express card®. In addition, earn 1 Voyager Mile for every R1,60 of eligible spend* (on top of the above) when you fly with eligible SAA-operated flights.
Earn 10,000 bonus Miles on the first SAA ticket you buy and use.
Earn 15,000 Bonus Miles when you spend R320,000 in a calendar year.
Earn double Miles for all eligible spend* in the first month after your account has been opened.
Get 1 Continental or 1 Global Companion Ticket per calendar year when meeting spend thresholds. See more
Convert your Voyager Miles to AvoPoints and shop for just about anything on Avo SuperShop. You can also convert your AvoPoints to Voyager Miles to book flights.
Get 15% off all purchases or 25% of your first Club pack at Wine-of-the-Month Club.
Enjoy 60% off on Nu Metro Xtreme movie tickets, and 50% off on 2D, 3D and VIP movie tickets (excluding 4DX). Plus, get 50% off on refreshment combos. Choose one of 2 options. See more - new link add
Travel benefits
Automatic basic travel insurance up to R4,000,000, with the option to top up at a 10% discounted rate.
Exclusive access to promotional fares and Voyager promotions 24 hours before they are made public.
Travel to 1,200 destinations with 26 Star Alliance airline partners. See more
Go on an International Cruise with one of our partners. See more
Get one additional piece of luggage on SAA operated flights.
Pay for any SAA flight with your card and use or donate your Companion Ticket to any other traveller.
Exchange Global Companion Tickets for two Domestic Companion Tickets. See how
Hire a car from Europcar with your Voyager Miles.
Enjoy premium check-in and get access to SAA-owned Premium lounges at a preferential rate. See more
Use your Voyager Miles for flight upgrade awards, Uber, Uber Eats, Wine-of-the-Month Club, NetFlorist and more.
Book Joburg Airport Parking at OR Tambo using your Voyager Miles and receive a free car wash.
Security
Your card is chip- and PIN-enabled for added security. See more
Transactional SMS notifications. See more
Block and replace or freeze and unfreeze your card using the Money app or Cellphone Banking.
Stop or block your card at any time using Online Banking or call 0800 110 929.
Set your transfer and withdrawal limits by using the Money app.
Create up to 10 Virtual Cards for free, with enhanced security features to protect you against online card fraud.
Overview
R754 p/a
R6,600 p/m
Up to 55
Personalised
SAA Voyager Premium
Rates and fees
R2,185 annual service fee.
Credit facility fee of R34 a month.
Preferential debit interest rates.
R160 replacement card fee.
Zero charges on card swipes.
1 Free supplementary card, thereafter you will be charged R45 per month for other supplementary cards.
Automatic enrolment to the Voyager Rewards programme.
Convenience and control
Manage your card with the Money app or Online Banking.
Link your card to Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay.
Tap and go.
Get monthly electronic statements.
Scan to pay using QR codes.
Create and use your virtual card for even more secure online and in-app payments.
Flexibility
Change your credit limit on request.
Use your card in-store, online, at ATMs or overseas.
Flexible repayment options.
Pay off your purchases over time with the budget facility.
Minimum repayment of 5% on outstanding balances.
Credit life insurance
Optional credit life insurance in case of death, disability, critical illness or retrenchment.
Rewards and discounts
Earn unlimited Miles faster on your American Express card®. In addition, you’ll earn 1 Voyager Mile for every R1,60 of eligible spend* when you fly with eligible SAA-operated flight operators.
Earn 19,000 bonus Miles on the first SAA ticket you buy and use.
Earn 15,000 Bonus Miles when reaching the spend threshold of R300,000.
Earn double Miles for all eligible spend* in the first month after your account has been opened.
Get 1 Continental or 1 Global Companion Ticket per calendar year when meeting spend thresholds. See more
Spend R1,000,000 in a calendar year and get an additional Global Companion Ticket.
Convert your Voyager Miles to AvoPoints and shop for just about anything on Avo SuperShop. You can also convert your AvoPoints to Voyager Miles to book flights.
Get 15% off all purchases or 25% of your first Club pack at Wine-of-the-Month Club.
Enjoy 60% off on Nu Metro Xtreme movie tickets, and 50% off on 2D, 3D and VIP movie tickets (excluding 4DX). Plus, get 50% off on refreshment combos. Choose one of 2 options. See more - add new link
Travel benefits
Automatic basic travel insurance up to R6,000,000, with the option to top up at a 20% discounted rate.
Unlimited access to SAA owned departure lounges. Free access for supplementary cards and companion ticket holders.
Exclusive access to promotional fares and Voyager promotions 24 hours before they are made public.
Travel to 1,200 destinations with 26 Star Alliance airline partners. See more
Go on an International Cruise with one of our partners. See more
Get one additional piece of luggage on SAA operated flights.
Pay for any SAA flight with your card and use or donate your Companion Ticket to any other traveller.
Exchange Global Companion Tickets for two Domestic Companion Tickets. See how
Hire a car from Europcar using your Voyager Miles.
Enjoy premium check-in.
Use your Voyager Miles for flight upgrade awards, Uber, Uber Eats, Wine-of-the-Month Club, NetFlorist and more.
Book Joburg Airport Parking at OR Tambo using your Voyager Miles and receive a free car wash.
Security
Your card is chip- and PIN-enabled for added security. See more
Transactional SMS notifications. See more
Block and replace or freeze and unfreeze your card using the Money app or Cellphone Banking.
Stop or block your card at any time using Online Banking or call 0800 110 929.
Set your transfer and withdrawal limits by using the Money app.
Create up to 10 Virtual Cards for free, with enhanced security features to protect you against online card fraud.
Overview
R2,185 p/a
R25,000 p/m
Up to 55
Personalised
Nedbank Platinum
Overview
R99 p/m
R25,000 p/m
Up to 55
Personalised
New Nedbank Gold
Overview
R60 p/m
R5,000 p/m
Up to 55
Personalised
Our recommendation is only an example of how the interest rate and fees can affect your repayments. Although we do our best to give you accurate calculations, they will not be binding on us. To confirm the latest interest rate or fees, please visit your nearest branch.