SA Credit Card Comparison
Compare 25 cards from 8 major South African banks. Select up to 3 cards to compare fees, rates and benefits side by side.
The information shown is for general comparison purposes only and is sourced from publicly available bank websites. Fees, rates, and terms change frequently and may not reflect current offers. Calcura is not a registered financial services provider under the FAIS Act. This is not financial advice. Always verify terms directly with the bank and read the full product terms before applying for any credit product.
Data last verified: May 2026. Verify current terms on each bank's website before applying.
About this calculator
What this comparison tool does
Displays and compares the key terms of major South African credit cards across fees, interest rates, rewards programs, travel benefits, and eligibility requirements. Use the filter tabs to narrow by card type and the compare feature to view up to three cards side by side.
How to use the results
Use this tool to shortlist cards that match your income level and spending habits. Pay attention to the monthly fee and purchase interest rate as your primary cost factors. Rewards programs only add value if you pay your balance in full each month — otherwise the interest cost outweighs the benefit.
Assumptions applied
- Fees and rates shown are based on publicly available information from each bank's website and are updated periodically.
- Interest rates shown are standard rates. Your actual rate may differ based on your credit profile and the bank's assessment.
- Rewards earn rates are indicative. Actual earn rates may vary by merchant category and card tier.
- Minimum income requirements are indicative. Banks apply additional affordability criteria under the NCA.
What this calculator doesn't account for
- This tool does not assess your eligibility for any specific card.
- Terms, fees, and rates change frequently. Always verify current terms directly with the bank before applying.
- Promotional rates and limited-time offers are not shown.
- Business and corporate card terms may differ from personal card terms shown here.