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Credit Builder Cards

Credit builder cards are a great choice for those with poor, little or no credit history. A small credit limit is usually given at first. By making your monthly payment on time each month, you may then be eligible for a lower interest rate card or be given a higher credit limit.

By using a credit builder card and making monthly payments on time, every time, you will gradually build up a good payment record, improving your credit score and increasing your chances of obtaining credit in the future.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.


RCS Card

Find out more & apply online now
  • Minimum monthly income of R 1 000,00
  • Initiation fee of R 101,00
  • Monthly fee of R 35,00
  • 24 or 36-month budget plans (for purchases of R600 or more)
  • Use the card in over 21 000 stores
  • Access to exclusive offers and promotions
  • Click here for more details

Access to South Africa’s biggest independent shopping network of over 21 000 stores. Just look out for the RCS logo, and shop for the brands you love! With RCS customers get affordable monthly instalments, with flexible payment options, Revolving facility, 24 or 36-month budget plans (for purchases of R600 or more) and best of all access to exclusive offers and promotions.


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