https://www.africanbank.co.za/StaticAbilWeb/products/credit_cards/gold_visa_credit_card.html This document details the benefits that African Bank Gold Credit Card holders get to enjoy. This includes free cellphone services that don’t require you to own a smart phone for you to use them. Find out how easy it is to view your balance and mini statements, or buy airtime and data bundles without any extra charges. As the credit card holder you also receive free SMS notifications, 60 day interest free credit and life insurance. The African Bank Gold Visa Credit Card is accepted worldwide.

1. GOLD
CREDIT CARD
YOUR AFRICAN BANK CREDIT
CARD GIVES YOU FREE ACCESS
TO CELLPHONE SERVICES
Access your account information in seconds
anytime, anywhere.
Simply register for Cellphone Services
You can:
• View your balance
(First 10 transactions are FREE, thereafter:
R1.70 per transaction)
• View your mini statements
(3 FREE transactions per month, thereafter:
R1.70 per transaction)
• Buy airtime, sms and data bundles
(Transaction are free)
• Check if you qualify for a limit increase.
No need to wait in long ATM, branch or call centre queues.
How do I register?
• Call 0861 000 351 or visit your nearest branch.
To activate:
• Simply dial *130*49494# from the registered cellphone number.
• Accept Terms Conditions.
• Accept the PIN sms’ed to you upon registration or create a new one.
Required Documents
AB/2013/10/GCC
Proof of residence; any of the following documents, amongst others, reflecting your name
and current residential address would be accepted: Latest utility bill, municipal account,
retailer account, document from an insurance company, payslip, letter from a traditional
authority, ward counselor or declaration from a landlord and affidavit from a person who is
living with you. Documents should be less than 3 months old.
*Terms, conditions and affordability rules apply. Service, initiation and insurance fees apply.
NCR Reg No. NCRCP5. An authorised Financial Services and registered Credit Provider.
Reg No1975/002526/06.

2. GOLD CREDIT CARD
Gold Credit Card fees
Account fees
MAKE A STATEMENT WITH AN
AFRICAN BANK GOLD VISA
CREDIT CARD
Monthly service fee
R35.00
Initiation fee
R57.00
Transaction bundle
R20.00
Gold Credit Card
Card replacement fee
R88.00
The African Bank Gold Visa Credit Card offers you the freedom to live the
lifestyle you deserve. 24 hour convenience and worldwide acceptance wherever
you see the Visa logo, makes the Gold Credit Card the perfect choice. Say who
you are without saying a word.
Account management fees
SMS messaging service
FREE
Statement reprint per page
FREE
• Your card is issued to you immediately when you apply at an
African Bank branch.
Payment fees
Debit order: *1 FREE per month, thereafter
R5.70
All POS transactions are FREE
• No need to carry cash. Swipe, then enter your PIN to complete the
transaction.
• International acceptance by millions of merchants, wherever you see the
VISA logo.
ATM fees
Balance enquiry: 1 FREE per month, thereafter
Benefits of the Gold Credit Card
R3.00
• Up to 60 days interest-free* credit, if you settle your outstanding balance in
full by the due date.
• FREE* transaction fees when making purchases at a till point.
2 FREE ATM cash withdrawals per month
• FREE* SMS notification service.
Thereafter ATM cash withdrawals more than R100
(Plus 1.2% of transaction value)
R7.00
• FREE* ATM withdrawals for the first four withdrawals.
ATM cash withdrawals less than or equal to R100
R5.00
Credit Life Insurance
Denied transaction fees
R3.00
For peace of mind for life’s unexpected insurable events, we offer you Credit Life
Insurance. You will be covered for the following events**:
International fees
Purchase
ATM balance enquiry
ATM cash withdrawal (Plus 1.10% of transaction value)
R3.50
R5.70
R20.00
Deposit fees
First 1 FREE, thereafter flat fee of
(Plus 1.1% of transaction values over R250)
Limit Increase
R3.70
Interest rates
Net price (Linked to repo)
• Death
• Permanent Disability
• Temporary Disability
• Retrenchment
• Short Time
• Compulsory Unpaid Leave / Temporary Lay-off
15%
Credit Life Insurance**
Monthly fee
R11.00
Ad Valorem
8%
As quoted at time of application
If you have your card for more than 4 months you could qualify for a limit increase.
A new Credit Card assessment will be done. Ask your consultant about it today,
or call 0860 333 004.
Safety Tip!
• Never give your Card, PIN or CVV number (the last 3 digits of the number
at the back of your card) to anybody. Including African Bank employees.
• Always keep your PIN a secret.
• Always ensure that you receive your card back after ALL transactions and
keep it in a safe place.
Notes
All fees include 14% VAT. All fees and interest rates are variable and can be
adjusted by African Bank with written notice to the cardholder, in accordance
with the National Credit Act (2005).
**Insurance terms and conditions are available on the website or in-branch.