Black Credit Card from African Bank Review

With up to 62 days of interest-free spending and up to 3% interest earned on positive balances, the Black Credit Card combines speed and reward.

The Black Credit Card from African Bank is more than just a payment tool—it’s a lifestyle statement. Created for individuals who want convenience, prestige, and financial flexibility, this card combines premium benefits with smart banking features. It’s designed to give cardholders the confidence to shop, travel, and manage their finances with ease.

From rewards on your purchases to comprehensive security, the Black Credit Card brings you global acceptance with Visa, exclusive perks, and personalized service from African Bank. It’s not just about paying—it’s about elevating every aspect of your financial journey.

Benefits of the Black Credit Card

1. No Monthly Fees When Used Responsibly

If you meet the minimum monthly spend requirement, your Black Credit Card can be used without incurring fees, ensuring that you maximize value without unnecessary costs.

2. Up to 3% Cash Back on Purchases

The card rewards you for your everyday spending, with cashback benefits that turn routine transactions into meaningful savings.

3. R10,000 Minimum Limit for Prestige Spending

With a generous starting credit limit, the card ensures you have access to significant purchasing power, whether for daily needs or larger expenses.

4. Contactless Payment Technology

Enjoy tap-to-pay convenience at millions of stores worldwide, speeding up your shopping experience and keeping transactions secure.

5. Visa Global Acceptance

As part of the Visa network, your card is welcomed at millions of retailers, hotels, restaurants, and ATMs across the globe, making international travel seamless.

6. Comprehensive Fraud Protection

With advanced fraud monitoring and Visa’s Zero Liability policy, you are never held responsible for unauthorized transactions, providing peace of mind.

7. Free SMS Transaction Alerts

Stay in control of your money with instant notifications for every purchase, withdrawal, or transaction on your account.

8. Travel Insurance Benefits

When booking your trips with the Black Credit Card, you can access insurance protections that cover unexpected emergencies, giving you confidence abroad.

9. Easy Online and Mobile Banking

Manage your account on-the-go with African Bank’s mobile app or online portal—check balances, make payments, and track rewards anytime.

10. Flexible Repayment Options

The card allows you to choose how to manage your balance, from paying the minimum to settling the full amount each month, fitting your financial plan.

11. Security with Chip and PIN Technology

Enhanced chip technology keeps your transactions encrypted, making it harder for fraudsters to clone or misuse your card.

12. Personalized Customer Support

African Bank provides customer service tailored to your needs, ensuring that every question or concern is handled promptly and professionally.

Who Can Apply?

You may qualify for the African Bank Black Credit Card if you:

• Are at least 18 years old.
• Are a South African resident with a valid ID.
• Earn a minimum income that meets African Bank’s requirements (typically for middle to higher-income earners).
• Have a good credit history or meet African Bank’s credit assessment criteria.
• Can provide proof of income and residence.

How to Apply

1. Visit the African Bank website or your nearest African Bank branch.
2. Select the Black Credit Card option.
3. Complete the application form with your personal and financial details.
4. Provide supporting documents (South African ID, proof of residence, proof of income).
5. Submit your application for assessment.
6. Receive approval and your new card in the mail or at a branch.

Frequently Asked Questions

1. Does the Black Credit Card have an annual fee?

No, the card has no fixed annual fee, but monthly fees may apply unless you meet the minimum spend criteria.

2. What cashback benefits does the card offer?

You can earn up to 3% cashback on eligible purchases, helping you save as you spend.

3. Is the card accepted internationally?

Yes. The Black Credit Card is a Visa product, so it is accepted at millions of merchants and ATMs worldwide.

4. What documents are required to apply?

Applicants need a valid South African ID, proof of income, and proof of residence to complete the application.