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Top Earners

If you earn more than R20,000, you could be eligible to apply for a premium rated credit card. It’s a blatant status symbol. Successful applicants will receive a relatively high credit limit along with a bundle of extras which might include concierge services, travel assistance, cashback or airmile rewards.

These premium credit cards attract high fees and high interest rates and only work if you pay off the balance in full every month, and if you use the benefits that are available.

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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BARCLAYCARD PRIME

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 42 000,00
  • Initiation fee of R 25,00
  • Monthly fee of R 40,00
  • Complimentary airport lounge access
  • Purchase protection and extended warranty
  • No cashback or rewards offered
  • Click here for more details

If you earn more than R42 000 per month then this could be the perfect card for you. It comes with a host of special benefits, especially when making electronic purchases. For added peace of mind the card offers extended warranty for appliances that are bought using the card for up to 24 months from the date of purchase. You will also have access to Visa Privileges which includes special offers on shopping, travel and dining. The card as standard comes with a budget facility allowing you to make repayments on purchases in instalments up to 48 months as chosen by you, giving you extra control on what you repay.

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AMERICAN EXPRESS PLATINUM CREDIT CARD

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 25 000,00
  • Initiation fee of R 165,00
  • Monthly fee of R 62,00
  • American Express Card membership rewards
  • Balance transfer available
  • Travel insurance included
  • Click here for more details

One of the longest serving credit card providers in South Africa, American Express has expanded to offer a wide range of credit cards. If you have an annual income of over R300 000 and have an excellent credit rating, then you could well be accepted for the Platinum card. Benefits include the American Express Membership Rewards Programme, where 1 point can be redeemed for every R5 spent to use for lifestyle and travel rewards. An added bonus of the point’s scheme is that the points never expire. You will also be offered an excellent debit interest rate but as like all American Express cards they are not always accepted by every retailer.

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AMERICAN EXPRESS SAA VOYAGER PREMIUM CREDIT CARD

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 25 000,00
  • Initiation fee of R 1 950,00
  • No monthly fee
  • Earn 1 airmile for every R6,00 spent
  • Earn 19 000 Bonus Miles on your first SAA ticket purchase
  • Air Miles expire after 3 Years
  • Click here for more details

The Premium SAA Voyager card offers similar rewards to its Gold counterpart earning you 1 air mile for every R6 spent and a further 19,000 bonus miles for your first SAA ticket purchase. This card would seem a perfect choice for those who travel a lot, but earning the miles by using your card is not really that cost effective due to the large annual service charge of R1 835. You will also need to remember that fees and taxes are not included when you redeem your air miles for your complimentary flight, so you may find that it works out to be more expensive than buying a normal ticket from another airline. The air miles do last up to 3 years however so from frequent use these could easily be accumulated for a free flight in the future.

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STANDARD BANK TITANIUM CREDIT CARD

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 25 000,00
  • Initiation fee of R 145,00
  • Monthly fee of R 42,00
  • No transaction fees on purchases
  • Free secondary cards
  • No cashback or rewards offered
  • Click here for more details

Standard Banks premium card is the Titanium credit card which is available to those who have an income of at least R25 000 per month. Along with the usual 55 days' interest free credit available and no transaction fees on purchases, the card offers added peace of mind when travelling abroad by providing the MasterCard Emergency service. If your card is linked to a Prestige Plus current account and you happen to lose your card and need access to emergency funds or a replacement card quickly, the MasterCard Emergency Service will take care of this for you. If you are a frequent traveller that wants the added protection then the Titanium credit card will remove any unwanted stress.

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FNB PREMIER CREDIT CARD

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 30 000,00
  • Initiation fee of R 165,00
  • Monthly fee of R 63,00
  • Free comprehensive global travel insurance
  • eBucks rewards
  • No balance transfer available
  • Click here for more details

Depending on your credit profile and monthly income, applicants could be granted a higher personalised credit limit upon successful application. As like other Premier cards the annual fee is around R650 but you will still receive the fantastic FNB benefits such as the eBucks reward scheme of earning up to 2% back on all day-to-day shopping and up to 15% back on fuel purchases. All purchases made within the first 55 days' will be interest free as long as they are fully settled by the payment due date and all till point transactions are free. Unlike other cards offered you will also have exclusive access to SLOW lounges, giving you a wide range of benefits to enjoy before your flight.

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NEDBANK PLATINUM CREDIT CARD

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 30 000,00
  • Initiation fee of R 165,00
  • Monthly fee of R 58,00
  • Extensive travel benefits
  • Extended credit facility
  • No cashback or rewards offered
  • Click here for more details

This is Nedbank's prestigious credit card. Although similar to the Gold card in terms of benefits, the Nedbank Platinum card comes with a generous credit limit which can be increased upon approval. If you are looking at making the odd big purchase then the extended credit facility could make these purchases that bit easier, with flexible repayment periods from 3-36 months. You are also rewarded with extensive travel benefits including free access to BIDair's Premier domestic airport lounges around the country and automatic travel insurance for both here and abroad when purchasing tickets using the card.

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