African Bank Credit Cards, Easy Loans and Mobile Banking Made for South Africans

Smart credit cards built for South Africans

African Bank credit cards are designed with local spending habits in mind, offering rewards, cashback and interest on positive balances that make sense for South Africans. Whether you choose the Silver or Gold credit card, you get features like a 60-day interest-free period, travel support and SMS updates that keep you in control of your finances.

Using an African Bank credit card also boosts your everyday buying power with value-added deals on electronics and flexible repayment terms. These cards are geared to reward loyal customers while keeping fees and rates competitive in the South African market.

Flexible personal loans and consolidation options

African Bank loans cover everything from car purchases to home renovations, with personal loan limits up to R350,000 and repayment terms that can stretch to 72 months. Fixed-rate options such as the 12% loan give predictable monthly instalments, which helps South Africans budget with confidence.

The consolidation loan is a practical way to combine up to five debts into a single monthly payment, simplifying credit management and often lowering total monthly costs. Applying is straightforward: provide recent payslips, proof of residence and bank statements, and you can apply online or at a branch near you.

Fast mobile banking and secure online access

African Bank mobile banking is built for on-the-go South Africans who need secure, 24/7 access to accounts and loans. The app lets you check balances, transfer funds, apply for credit and manage multiple pockets like the MyWORLD Power Pocket and Savings Pocket with ease.

Security measures follow local and international standards to protect your data while making transactions simple. Online loan applications speed up approvals, so you can get a personal loan decision faster when you need cash for everyday needs or emergencies.

Extra benefits, insurance and nationwide support

Beyond credit cards and loans, African Bank includes credit life and funeral insurance options that match local realities — cover for retrenchment, disability and family funeral costs with relatively quick payout times. These protections help customers manage risk and secure family finances.

With a broad branch network across South Africa and a customer service team that understands local needs, African Bank combines digital convenience with in-person support. This hybrid approach makes it easy for South Africans to access loans, apply for credit cards and manage savings in rand with confidence.