Finding a good credit card that will build your credit can be a challenge. With so many options to choose from and so many metrics to look at, it may almost seem impossible.

So we have taken some of the work off your shoulders and found five of the easiest cards to get approval on in South Africa. Below we take a look at each and breakdown some of their benefits and features.

So keep reading. Hopefully, you will find the right card for you.

Easy Approval Credit Cards in South Africa

Credit cards can help you build your future and make it easier to get loans and buy homes later in life. Here are five credit cards available in South Africa that can help you with this:

African Bank Gold Credit Card

The Gold Card from African Bank doesn’t have a lot of frills, but it is definitely a sound starter card. It does come with 60 days of interest-free credit and no minimum income requirements. There is a monthly fee of R69. There is also a funds transfer fee of R5.55 and an international transaction fee of R5.75.

The card comes with a 3% pa interest rate. Other than that, there is an R5.75 +1.3% on cash deposits after the one free one.

Bank Contact Info

Address: Private Bag x170, Midrand 1685 Johannesburg

Telephone: 0861 111 011

Virgin Money Credit Card

If you’re looking for a good credit card that is easy to get approval for, then the Virgin Money Credit Card might be a suitable choice. The card has a reasonable minimum income and requires good credit.

As an introductory offer, the card comes with a 0% APR for the first year. Then when the introductory period is up, the APR returns to the standard. This is a representative rate of 17.50%.

There are also no annual fees and no monthly service fees on this card. However, there is a one-time initiation fee of  R175.00. In addition, there is a foreign transaction fee of 2.75%.

Virgin Money Credit Card

Bank Contact Info

Address: Willow Ave, Sandton 2191 South Africa

Telephone: 0861 822 273 (South Africa) or +27 (0) 11 354 4510 (international)


Standard Bank Blue Credit Card

Standard Bank’s Blue Credit Card has a minimum income requirement of R5000+ per month and charges an R40 monthly fee. It is a bare-bones card but is capable of building your credit easily.

The card has a customized APR. This will be determined by both the applicant’s credit and income. It is also going to cost the individual who gets approved an initiation fee of R180. There is also a monthly fee of  R40.00. 

In addition, if you make a late payment, you will be charged R170,00. Also, if you want to use your card abroad, you can expect a 2.75% transaction fee to be implemented.

Bank Contact Info

Address: 9th Floor Standard Bank Centre 5 Simmonds Street Johannesburg Gauteng 2001 South Africa

Telephone: 0860 123 000 (South Africa) or +27 10 249 0423 (international)

Nedbank Classic Credit Card

The Nedbank Classic Credit Card requires a low monthly income and a card initiation fee of R189,65. That is what makes it a great starter card; it is easy to get approved for. It does not have many benefits except for automatic travel insurance when you use this card to purchase tickets.

Along with the travel insurance, you can earn reward points if you join the Greenbacks program, which costs R204 to join. The card itself comes with an interest rate of 19.9% on both purchases and cash advances. It also has an 11.9% rate in balance transfers for the first year.

There is also a monthly service fee of R30,00.

Bank Contact Info

Address: 135 Rivonia Road, Sandown 2196 Sandton

Telephone: 0860 119 966 (South Africa) or +27 11 710 4041 (international)


Capitec Bank Credit Card

Once you have applied and approved the Capitec Credit Card, you will be able to take advantage of the benefits. The card offers travel insurance as well as card protection.

There is an initiation fee of R100 and a monthly service fee of R40. However, this card has a low minimum income requirement and a 55-day interest-free period. The interest rate for the card will fall between 7.00% – 17.50% dependent on the applicant’s credit.

There are also no foreign transaction fees when using this card.

Bank Contact Info

Address: 1 Quantum Street, Techno Park, Stellenbosch

Telephone: 021 941 1377



Credit can be a scary prospect, especially if you are just starting to build it or are trying to repair it. However, some credit cards can make the process a little less daunting by making the application easy to complete and the card easy to get approved for.

These are some of the South African cards that fall into that category. So hopefully we have helped make your decision-making process a little less scary.

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.