Nedbank Gold Credit Card Review

Whether you’re a savvy saver or simply someone who appreciates smart banking, Nedbank Gold takes your spending experience to the next level.

The Nedbank Gold Credit Card is a shining star in South Africa’s credit card galaxy—offering an exhilarating combination of rewards, flexibility, and convenience that makes every swipe feel like a win. 

Imagine earning jaw-dropping cash back, enjoying up to 55 interest‑free days, having travel and purchase protection at your fingertips, and managing everything from your phone—effortlessly and securely. Plus, with mobile wallet compatibility, virtual card options, and powerful insurance benefits, this card doesn’t just keep up with your lifestyle—it elevates it!

Benefits of the Nedbank Gold

1. Up to 2% unlimited cash back: Enjoy unlimited 2% cash back on eligible spend every time you use your card! Whether it’s groceries or online shopping, you’re rewarded with serious savings. 
2. Up to 55 days interest‑free: Make your purchases and relish up to a whole 55 days of interest‑free credit—giving you time and freedom to plan your repayments without stress. 
3. Complimentary card delivery: Get your personalized Gold Credit Card delivered right to your doorstep—face-to-face and free of charge—because convenience should come standard. 
4. Zero charges on card swipes: Pay with your card in-store anytime—there are no swipe fees! It’s smooth and straightforward with no extra costs at checkout. 
5. Greenbacks Rewards linkage: Link your card to the Greenbacks Rewards programme to supercharge your earning power—stacking cash back and rewards in one smart move. 
6. Huge Nu Metro movie discounts: Turn movie nights into mega savings! Use your Gold Credit Card to score up to 60% off Nu Metro cinema tickets—popcorn not included (but highly recommended!). 
7. Fuel savings at bp: Every fill-up becomes rewarding—get 25c back per litre at bp when your Greenbacks-linked card does the pumping. Funds for fuel never felt so good! 
8. Virtual card creation: Shop online securely by creating virtual cards within the Nedbank Money app—no need to expose your physical card details for safe, streamlined transactions. 
9. Digital wallet compatibility: Tap, pay, and go with ease! Link your card with Apple Pay, Samsung Pay, Fitbit Pay, or Garmin Pay to take contactless convenience to new heights. 
10. Flexible repayment & budget facility: Take control of how you repay: choose a minimum 5% monthly payment or use the budget facility to stretch larger purchases over time—flexibility that fits your lifestyle. 
11. Optional credit life cover: Add peace of mind to every swipe with optional credit life insurance—covering death, disability, critical illness, or retrenchment—because security should be part of the package. 
12. Optional top‑up travel insurance: Ready for your next adventure? Add optional top‑up travel insurance and enjoy discounted flights (up to 30% off) through Greenbacks Travel on Avo SuperShop. 
13. Purchase protection & chargeback: Shop confidently—with purchase protection and a chargeback option built into your card’s security suite, help is there if things don’t go as planned. 
14. Real-time SMS alerts & smart control: Stay ahead of your spending with instant SMS transaction alerts, customisable limits, and the ability to block or freeze your card via the Money app or Online Banking—control in your pocket. 
15. Chip & PIN security: Your card includes smart chip-and‑PIN protection—keeping your purchases safe and secure with every use. 

Who Can Apply?

You can apply for the Nedbank Gold Credit Card if you meet the following requirements:

• 18 years or older
• Resident of South Africa, with a valid South African ID—or if you’re not a citizen, a valid passport and work permit 
• Minimum pre-tax income of R5,000 per month
• A healthy credit score—reflecting sound repayment behaviour 
• Documents Required: South African ID (or passport + work permit), plus payslips or bank statements for the past 3 months 

How to Apply

Here’s how to get your hands on this golden card:

1. Create your Nedbank ID via the Money app or Online Banking (if you’re new to Nedbank).
2. Log in using your Nedbank ID (if you’re already a client).
3. Apply online through the Nedbank website or app.
4. Use Online Banking to submit your application—quick and easy.
5. Visit a Nedbank branch and apply in person with the required documents.
6. Call Nedbank’s contact centre at 0860 555 111 and apply over the phone. 

Frequently Asked Questions (FAQs)

• What is the minimum monthly repayment on the Nedbank Gold Credit Card?

The minimum monthly repayment is set at 5% of the outstanding balance—giving you flexible and manageable repayments. 

• How many interest‑free days do I get?

Enjoy up to 55 days of interest-free credit. For example, a purchase on the first day of your statement period gives you a full 55 days before interest applies. 

• Can I control or freeze my card if it’s lost or stolen?

Absolutely! You can immediately block, freeze, or replace your card using the Money app or Online Banking, or call 0800 110 929 anytime. 

• What rewards and discounts are available with this card?

You get up to 2% cash back on eligible spend, up to 60% off Nu Metro movie tickets, 25c per litre cash back at bp, up to 30% off flights via Greenbacks Travel on Avo SuperShop, optional travel insurance, and purchase protection with chargeback—plus more!