Investec Private Bank Account (Visa Platinum Credit Card)
Best for: high earners who want worldwide lounge access and credit priced at prime.
Pros
- Credit priced at prime rather than a risk-based rate
- Unlimited worldwide lounge access
- Rewards points never expire
Cons
- R705 monthly fee and R800,000 income requirement
- Shorter interest-free period of up to 45 days
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
Investec's Visa Platinum credit card comes with its Private Bank Account, which costs R705 a month. Credit is priced at prime and the account includes unlimited worldwide lounge access.
Investec Private Bank Account (Visa Platinum Credit Card) at a glance
| Issuer | Investec |
| Card network | Visa |
| Annual fee | R705/month |
| Rewards rate | Investec Rewards: from 1 point per R20 of qualifying transactions up to 1 point per R4 at the top partnership level; 20 points are worth R1 and points never expire |
| Welcome bonus | See issuer for the current offer |
| Intro APR | None |
| Regular APR | Prime (10.50% as of September 2026) |
| Foreign transaction fee | 2.5% international currency conversion card fee; not charged on card spend from a currency pocket |
| Credit needed | R800,000 a year (under-30s with a relevant qualification may qualify) |
| Best for | High earners who want premium travel perks and credit priced at prime |
Key features
- R705 a month (from 1 August 2026) covers the transactional account and Visa Platinum credit card
- Credit facility priced at prime with up to 45 days interest-free on card purchases
- Unlimited complimentary access to over 1,100 airport lounges worldwide, plus SAA-owned and Bidvest Premier lounges
- Complimentary travel insurance when you buy international tickets with the card
- Currency pockets in dollars, pounds and euros
Pros
- Credit priced at prime rather than a risk-based rate
- Unlimited worldwide lounge access
- Rewards points never expire
Cons
- R705 monthly fee and R800,000 income requirement
- Shorter interest-free period of up to 45 days
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: investec.com · investec.com · investec.com
How it compares with similar South Africa cards
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|---|---|---|---|---|---|---|
Investec Private Bank Account (Visa Platinum Credit Card)High earners who want premium travel perks and credit priced at prime |
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R115/mo | Absa Rewards cash back at Rewards partners, with rates set by your Rew… | None | 2.50% currency conversion… | R25,000 a month |
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