Are you tired of spending too much money while shopping? Are you looking for a credit card that could give you an advantage when it comes to shopping and making other retail purchases? Well, look no further, as the RCS Credit Card is here to help you out.

This card can be used at select RCS retail partners, including over 26 000 stores, and it gives you access to exclusive offers and promotions.

Does this sound like a good deal to you? If so, read on to find out how you can apply for this credit card today.

RCS Credit Card

Benefits and Features of an RCS Credit Card

If you enjoy shopping at retail stores and getting the exclusive in on special promotions and offers, you will love the RCS Credit Card. With this credit card, you will have access to more than 26 000 independent shopping stores of your choice to do your shopping at, as long as they display the RCS logo.

As if that is not enough, you will also be able to enjoy up to 55 interest-free days of shopping for your favorite brands. You can also qualify for affordable monthly installments where you can choose between 24- or 36-month budget plans with flexible payment options. The choice is entirely yours.

And, once you apply for online banking, you will be able to run all your transactions online or through the app. You can also use your self-service portal if you wish.

RCS is also keeping up with the pace of a fast-moving world. You can use your credit card to shop online at all selected RCS retail partners. It’s a great online shopping convenience you’ll love!


And, are you the kind of person that keeps forgetting about your transactions? You can worry less with this card, because the RCS will be sending you notifications via emails and SMS for your security and monthly statements.

Lastly, the RCS will also issue insurance for all its cardholders; that is the customer protection insurance.

Now that you’re familiar with some of the great benefits of this card, read on to find out if you’re eligible to apply and how you can apply today.

Eligibility and How to Apply for an RCS Credit Card

As long as you are eligible, applying for this credit card is pretty easy and straightforward. To qualify, you must be 18 years and above. You must also have a South African ID book or Driver’s license with a minimum monthly income of R1 000 per month.

To apply, prepare all the above documents and head to the RCS Store website to fill out the online application form. You can also fill out the full application in store if you wish.

In addition to the above, you also must provide proof of your income documentation. After filling in your application, you will be able to get results confirming whether you qualify or not. If you qualify and are approved, you can visit your nearest store and pick up your card.

RCS Credit Card Fees & Charges

To enjoy the fantastic features that come with this credit card, it is always advisable to make payments on time to avoid extra charges from the bank that could negatively affect your credit score.

Take a look at some of the fees that RCS charges, which will vary based on your individual assessment. RCS does not disclose specific rates or fees online, so you’ll need to speak with a representative to be sure. 

  • a once-off initiation fee
  • monthly service fee
  • insurance premium
  • interest for outstanding balances

Other common credit card fees could include transaction fees, over-limit fees, or late payment fees. For more detailed information on RCS‘s specific charges, check out the RCS website or refer to a store representative. RCS postal address is: P.O. Box 111, Goodwood, 7459. 


If you shop at retailer locations often, this credit card could be ideal for you. Get a hold of this card to start earning bonuses and exclusive deals as you do your shopping. You can apply online or in store today for your very own RCS Credit Card!

Note: There are risks involved when using credit card products. Be sure to consult the terms and conditions first.