The Pay It Off Store Card is offered in partnership with RCS and allows South African shoppers to access up to 55 days interest-free credit at top retail stores. With a competitive monthly interest rate of 1.75% and a modest R69 monthly service fee, this card stands out for those seeking flexibility, security, and strong network acceptance within the Shoprite Group and affiliates. The minimum qualification is a monthly income of R2 000, a valid RSA ID or driver’s license, proof of income, a valid bank account, and an email address.

Once approved, users can shop at stores like Checkers, Shoprite, Checkers Hyper, and more. The card offers not only credit for everyday purchases, but also budget and revolving repayment options giving you power over your monthly budget. Additional perks include free SMS transaction alerts, customer protection insurance, and the ability to add up to three extra cards for family members.

How to Apply for the Pay It Off Store Card

1. Ensure you meet the age and income requirements (18+, R2 000 per month).
2. Gather your documents: proof of income, valid ID or driver’s license, bank account details, and email address.
3. Visit the official website and complete the application form as prompted.
4. Submit your supporting documents for verification and wait for a decision from the provider.
5. If approved, you’ll receive your card and can start shopping within the accepted store network.

Key Advantages of the Pay It Off Store Card

One key strength is the up to 55 days interest-free period if the balance is settled on time. This feature is especially valuable for responsible card management.

You also enjoy strong retail partnerships – making the card useful at Checkers, Shoprite, Uniq, and other major outlets in the country.

Added benefits like free SMS notifications and protection insurance further enhance your peace of mind when shopping.

Flexibility is another plus: choose between a budget plan or revolving payment plan based on your cash flow needs.

Potential Downsides to Consider

One con is the R69 monthly service fee, which can add up if you maintain a low balance or use the card infrequently.

Interest is charged at 1.75% per month for outstanding balances, so carrying a balance over months can become costly.

Applicants must be employed with a steady income, limiting access for some individuals who do not meet this criterion.

Also, the card’s utility is tied to the Shoprite Group and partner stores, which may not suit shoppers wanting universal card acceptance.

Final Verdict

The Pay It Off Store Card is a compelling choice for frequent shoppers at Checkers, Shoprite, and other partner outlets wanting budgeting and payment flexibility, especially with the up to 55 days interest-free period when you pay off your full balance monthly. However, consider your spending patterns and weigh the service fee against the advantages before you apply.