Cash Back Cards · South Africa
Absa Gold Credit Card
4.0 / 5 editorial rating
Best for: Absa customers who want cash back and up to 57 interest-free days.
Annual feeR69/mo
IssuerAbsa
NetworkSee issuer
Purchase APRPersonalised, up to the NCA…
Foreign transaction fee2.50% currency conversion fe…
Credit neededR7,000 a month
Pros
- Longest interest-free period among the cards we compare
- Cash back through Absa Rewards
- Fee waived with an Absa Ultimate account
Cons
- Cash back rates depend on your Absa Rewards tier
- Two separate 2.50% fees can apply to foreign spend
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The Absa Gold Credit Card costs R69 a month and gives up to 57 days interest-free, the longest period among the cards we compare. Cash back comes through Absa Rewards.
Absa Gold Credit Card at a glance
| Issuer | Absa |
| Card network | See issuer |
| Annual fee | R69/month |
| Rewards rate | Absa Rewards cash back at Rewards partners, with rates set by your Rewards tier (Absa advertises up to 30% on selected partner spend) |
| Welcome bonus | See issuer for the current offer |
| Intro APR | None |
| Regular APR | Personalised, up to the NCA maximum |
| Foreign transaction fee | 2.50% currency conversion fee; 2.50% international transaction fee on payments to international merchants |
| Credit needed | R7,000 a month |
| Best for | Absa Rewards cash back with 57 interest-free days |
Key features
- Up to 57 days interest-free on qualifying transactions
- Credit limit of up to R90,000, subject to affordability
- Automatic basic travel insurance on international bookings paid with the card
- No transaction fees on purchases (excluding prepaid airtime, data, utilities and Lotto)
- No monthly card fee when held with an Absa Ultimate account
Pros
- Longest interest-free period among the cards we compare
- Cash back through Absa Rewards
- Fee waived with an Absa Ultimate account
Cons
- Cash back rates depend on your Absa Rewards tier
- Two separate 2.50% fees can apply to foreign spend
Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: absa.co.za · absa.co.za
How it compares with similar South Africa cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Absa Gold Credit CardAbsa Rewards cash back with 57 interest-free days |
R69/mo | Absa Rewards cash back at Rewards partners, with rates set by your Rew… | None | 2.50% currency conversion… | R7,000 a month | |
Capitec BankCapitec 4979 2791 1833 1952 VALID THRU 12/32AVERY PATEL Capitec Credit CardLow-cost everyday card with flat 1% cash back |
R50/mo | 1% cash back on card purchases, paid into your Capitec Rewards savings… | None | See issuer | See issuer (subject to an NCA… |
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