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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.

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RCS Card

APPLY TODAY
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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Pick N Pay Store Card

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 1 000,00
  • No initiation fee
  • Monthly fee of R 10,00
  • R200 back on your account with your first purchase for R500 or more
  • Customer Protection Insurance included
  • Low monthly service fee of R10
  • Click here for more details

Benefit from up to 55 days interest-free credit if you pay the outstanding balance in full and on time each month. You'll receive R200 back on your account with your first purchase for R500 or more. Pay zero transaction fees and zero joining fees. There's a lo monthly service fee of R10 and up to three secondary cards for family and friends so they can receive these benefits. Earn bonus Smart Shopper points when you pay your instalment. Receive Fee SMS notifications on all purchases for your security.

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