The African Bank Black Credit Card presents itself as a premium choice for consumers seeking flexibility and attractive perks. With a maximum credit limit of R500,000—subject to affordability checks and terms—it stands above most standard credit card offerings. Cardholders enjoy up to 3% interest on positive balances, making it suitable for those who regularly deposit more than they use. The card’s standout feature is the 62 days of interest-free credit on point-of-sale and online purchases, provided the balance is settled in full before the due date.

How To Apply for the African Bank Black Credit Card

1. Prepare your latest proof of income and a recent bank statement detailing three months’ salary deposits.
2. Make sure you are over 18 years old to be eligible for application.
3. Apply by visiting an African Bank branch, using their mobile app, or completing the online application form.
4. Once approved, visit a branch for instant issuance of your personalised, embossed card.

What We Like About the Card

One pros is that you can immediately receive a fully active, embossed card at any African Bank branch after approval, with no waiting period. Also, the card is globally accepted wherever Visa is recognised, which is ideal for frequent travellers or online shoppers. Transaction limits can be personalised for greater security and flexibility.

잠재적인 단점

On the downside, the monthly service fee of R69 may be slightly higher than some basic cards, especially if you do not utilise the full suite of card benefits. International transaction fees and cash withdrawal charges are also above average, which may affect those travelling abroad regularly.

최종 판결

If you’re looking for a credit card that offers a generous credit limit, attractive positive balance interest, and enhanced security features, the African Bank Black Credit Card is a solid pick. Although the fees are higher than entry-level cards, the benefits and flexibility could easily outweigh the costs for most applicants.