Absa Gold Credit Card
Absa Gold Credit Card South Africa: credit limit up to R80,000, 57-day interest-free period, Visa rewards, purchase protection insurance included. Review on CreditDeals.
Absa Gold Credit Card — Terms and Conditions
The Absa Gold Credit Card is a revolving credit agreement governed by the National Credit Act (NCA) and regulated by the NCR. All fees and interest rates comply with NCA-prescribed limits for credit card agreements.
Main Conditions
| Parameter | Value |
|---|---|
| Credit limit | Up to R50,000 (subject to NCA affordability assessment) |
| Purchase interest rate | ~22.5%–27% p.a. (prime-linked, fixed review cycle) |
| Cash advance rate | Prime + 8% p.a. |
| Interest-free period | Up to 55 days (if full outstanding balance paid by due date) |
| Minimum repayment | 3% of outstanding balance or R150 (whichever is greater) |
| Monthly account fee | R56 |
| Card replacement fee | R140 |
| International transaction fee | 2.75% of transaction value |
| Currency | ZAR (R) — billed in ZAR for international transactions |
| Card network | Visa |
Borrower Requirements
- South African citizen or permanent resident aged 18 or older
- Valid South African ID or Smart ID card
- Minimum monthly income of R3,000 (net)
- Latest 3 months' payslips or proof of income
- Latest 3 months' bank statements
- NCA affordability assessment and credit bureau check
Required Documents
- South African ID or Smart ID card
- Latest 3 months' payslips
- Latest 3 months' bank statements
- Proof of residential address
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Absa Gold Credit Card — Visit bank
Absa Gold Credit Card South Africa: credit limit up to R80,000, 57-day interest-free period, Visa rewards, purchase protection insurance included. Review on CreditDeals.