Absa Credit Card

The Absa credit card is provided by Absa Bank Limited, an authorized financial services provider and a registered credit provider.

If you are looking for a credit card that is designed to reward you for spending, then you need to check out the Absa credit card.

The Absa credit card is packed with great deals and benefits that allow you to live your life the way you want.

In this article, we will take a look at the benefits of getting an Absa credit card. Also, we will look at the key features of each Absa credit card. In addition, we will discuss the qualifying criteria for each credit card.

Benefits

When you use your credit card to pay for purchases you earn great rewards.

You can use your credit card for online shopping giving you convenience.

The Absa credit card is accepted worldwide. In addition, it comes with full ATM functions which includes being able to make cash withdrawals.

Having a credit card is good way of building up a credit history. Just make sure you are wise how you use your card to avoid getting into unnecessary debt.

Absa Credit Cards

Absa Bank offers a range of credit cards with various benefits to suit different needs.

Here are some of their credit card options:

1. Flexi Core Credit Card:

   • Monthly Fee: R49
   • Recommended Income: R2,000 per month
   • A versatile credit card for purchases in stores, online, or using your smartphone or wearable device.

2. Student Credit Card:

   • Monthly Fee: R0
   • Recommended Income: R800 per month
   • Ideal for building your banking profile and accessing Rewards membership.

3. Gold Credit Card:

   • Monthly Fee: R57
   • Recommended Income: R4,000 per month
   • All-inclusive card with lifestyle offers, basic travel insurance, and airport lounge access at preferential rates.

4. British Airways Gold Credit Card:

   • Monthly Fee: R100
   • Recommended Income: R8,000 per month
   • Earn rewards for booking flights and making purchases.

5. Premium Banking Credit Card:

   • Monthly Fee: R97
   • Recommended Income: R25,000 per month
   • Access your Absa cheque, credit, and savings accounts with just one card. Enjoy priority banking and complimentary airport lounge access.

6. Private Banking Credit Card:

   • Monthly Fee: R200
   • Recommended Income: R62,500 per month
   • An exclusive card tailored to your personal style and financial status.

Remember, these cards come with various benefits such as cash back, travel insurance, and more. You can apply online through Absa’s website.

If you’re an Absa Internet Banking customer, the application process is quick and easy!

What Are the Credit Card Fees and Charges?

Absa Bank offers a variety of credit cards, each with its own fee structure. Here are some key details about their credit card fees and charges:

1. Interest Rate on Outstanding Balances:
   • The Absa credit card charges an interest rate of 18% per annum on outstanding balances.
2. Interest-Free Days:
   • You can enjoy up to 57 interest-free days on purchases (excluding cash withdrawals, online transfers, gambling transactions, fuel purchases, and budget plan purchases).
3. Transaction Fees:
   • Transaction fees vary based on the type of credit card and the specific transactions you make.
   • For detailed information, you can download the 2024 Pricing Guide for everyday banking products from Absa’s website.

Remember to review the specific credit card options and their associated fees to choose the one that best suits your needs.

 

Absa Credit Card Application

Application for a credit can be done online. Online application provides you with convenience of being able to apply from the comfort of your home and at any time of the day.

Online application can be done by following steps;

1. Visit the Absa website (www.absa.co.za) and click on the Apply now button under the credit cards section. Click here to go there
2. On the Online Account Application page, enter the characters as displayed in the image
3. Please complete the six-step assessment
4. You may Save and continue later, or Continue at each stage of your assessment
5. Click Apply when you have completed your assessment

Alternative ways to apply are by filling the contact me form where you submit you contact details and a consultant will contact you.

Also, application can be done telephonically by calling 0860 553 553.

Absa Credit Card Limit Increase

Sometimes you might wish to increase / decrease the limit on your card or do a card upgrade. If this is the case, do not stress at all as the process is very simple.

To upgrade your credit card, you can simply call Absa directly on 0861 114 411 and a consultant will assist you with the process.

For a limit increase you can visit Absa Online banking, apply on the Absa App, or visit your nearest branch.

To apply for a limit decrease, call the number at the back of your card.

Absa Credit Card Contact Details

If you wish to get more information you can contact Absa directly using the details below.

Applications

Telephone: 0861 114 411
Weekdays 08:00 – 17:30
Saturday 08:00-13:00

General card support

Telephone: 0861 462 273
Weekday: 08:00 – 20:00
Weekends: 08:00 – 13:00

For 24-hour Services

Premium Banking: 0860 109 085
Private Banking: 0860 553 553
For Lost and stolen cards: 0800 111 155

Email

contactcard@absa.co.za
premiumbanking@absa.co.za
privatebanking@absa.co.za

Conclusion

A credit card is a good way of being ready to cover unexpected expenses. However, when misused it can get you into serious debt.

Make sure to keep your card in a safe place and use it wisely to avoid unnecessary debt.

The Absa credit card comes with great rewards that you get as you spend and if you are looking for a credit card, we definitely recommend it.

Which card you should choose will depend on your lifestyle and your affordability.