Credit cards
Credit card fees, side by side
Published 2026 fees for the credit cards South African banks sell today, copied from each bank's own pricing guide and linked back to it. The table is in bank-name order. Sort it any way you like — we don't rank or recommend.
- 6 banks
- 22 cards with published 2026 fees
- Last checked
Monthly fees, per month
Bank-name order, not a ranking. Sort the table and the chart follows.
| Bank | Card | Monthly fees | Card / account fee | Credit facility fee | Initiation fee | First year of fees | Interest-free | Rewards | Notes | Source | Last checked |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Absa | Student Credit Card | R0 | R0 | R0 | R199 | R199 | Up to 57 days | Absa Rewards (optional) | No monthly account fee or credit facility fee. Initiation fee is a maximum of R199. | Absa 2026 benefits and pricing guide (p38-40) | |
| Absa | Gold Credit Card | R69 | R39 | R30 | R199 | R1 027 | Up to 57 days | Absa Rewards (optional) | Standalone card. Initiation fee is a maximum of R199. Additional cards R25 + R30 a month each. | Absa 2026 benefits and pricing guide (p38-40) | |
| Absa | Premium Credit Card | R115 | R85 | R30 | R199 | R1 579 | Up to 57 days | Absa Rewards (optional) | Standalone card. Initiation fee is a maximum of R199. 12 Bidvest Premier lounge visits a year on qualifying spend. | Absa 2026 benefits and pricing guide (p38-40) | |
| Capitec | Credit card | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | Capitec's credit card fees are not yet in this table - we show them once we have read them off Capitec's own page. | capitecbank.co.za credit card | |
| Discovery Bank | Gold Suite (Visa Gold credit card) | R250 | R181 | R69 | R240 | R3 240 | Data pending | Vitality Money / Discovery Miles | R250 = R115 account fee + R66 Vitality Money premium + R69 credit facility fee. Initiation up to R165 if the limit is under R2 000, else R240. Fees from 1 Sep 2026. | Discovery Bank Gold Suite fees guide | |
| Discovery Bank | Platinum Suite (Visa Platinum credit card) | R340 | R271 | R69 | R240 | R4 320 | Data pending | Vitality Money / Discovery Miles | R340 = R190 account fee + R81 Vitality Money premium + R69 credit facility fee. Initiation up to R165 if the limit is under R2 000, else R240. Fees from 1 Sep 2026. | Discovery Bank Platinum Suite fees guide | |
| Discovery Bank | Black Suite (Visa Signature credit card) | R605 | R536 | R69 | R240 | R7 500 | Data pending | Vitality Money / Discovery Miles | R605 = R435 account fee + R101 Vitality Money premium + R69 credit facility fee. Initiation up to R165 if the limit is under R2 000, else R240. Fees from 1 Sep 2026. | Discovery Bank Black Suite fees guide | |
| Discovery Bank | Purple Suite | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | Vitality Money / Discovery Miles | Purple Suite fees are not yet in this table - we show them once we have read them off Discovery's own guide. | Discovery Bank Purple fees guide | |
| FNB | Aspire Credit Card | R65 | R35 | R30 | R210 | R990 | Up to 55 days | eBucks | Standalone fee. Included in the R125 FNB Fusion / Current Aspire Account fee when held as a bundle. Personalised interest rate. | FNB Aspire 2026 pricing guide | |
| FNB | Premier Credit Card | R125 | R95 | R30 | R210 | R1 710 | Up to 55 days | eBucks | Standalone fee. Included in the FNB Fusion / Current Premier Account fee when held as a bundle. 1 additional card free, then R21.50 each. | FNB Premier 2026 pricing guide | |
| FNB | Private Clients Credit Card | R210 | R180 | R30 | R210 | R2 730 | Data pending | eBucks | Standalone fee. Included in the Private Clients account fee when held as a bundle. Initiation fee up to a maximum of R210. First 3 additional cards free. | FNB Private Clients 2026 pricing guide | |
| Nedbank | MiGoals Premium Credit Card | R0 | R0 | R0 | R0 | R0 | Up to 55 days | Greenbacks (no linkage fee) | No maintenance, facility or initiation fee on the card itself - it comes with the MiGoals Premium account, which has its own monthly fee. | Nedbank everyday banking fees 2026 (p9) | |
| Nedbank | New Nedbank Gold | R65 | R42 | R23 | R219 | R999 | Up to 55 days | Greenbacks (R35 a month linkage fee) | Initiation R199 for a limit up to R10 000, R219 above. The credit facility fee can vary with risk profile (maximum R55). | Nedbank everyday banking fees 2026 (p9) | |
| Nedbank | SAA Voyager Gold | R99 | R68 | R31 | R0 | R1 188 | Up to 55 days | SAA Voyager Miles | No initiation fee on SAA Voyager cards. | Nedbank everyday banking fees 2026 (p9) | |
| Nedbank | Nedbank Platinum | R110 | R75 | R35 | R219 | R1 539 | Up to 55 days | Greenbacks (no linkage fee) | Initiation R199 for a limit up to R10 000, R219 above. The credit facility fee can vary with risk profile (maximum R55). | Nedbank everyday banking fees 2026 (p9) | |
| Nedbank | American Express Gold | R145 | R120 | R25 | R219 | R1 959 | Up to 55 days | Membership Rewards (no linkage fee) | Issued by Nedbank. Initiation R199 for a limit up to R10 000, R219 above. | Nedbank everyday banking fees 2026 (p9) | |
| Nedbank | SAA Voyager Premium | R229 | R193 | R36 | R0 | R2 748 | Up to 55 days | SAA Voyager Miles | No initiation fee on SAA Voyager cards. | Nedbank everyday banking fees 2026 (p9) | |
| Nedbank | American Express Platinum | R535 | R499 | R36 | R219 | R6 639 | Up to 55 days | Membership Rewards (no linkage fee) | Issued by Nedbank. Initiation R199 for a limit up to R10 000, R219 above. | Nedbank everyday banking fees 2026 (p9) | |
| Standard Bank | Student | R16 | R0 | R16 | R200 | R392 | Up to 55 days | UCount | Student monthly service fee R16; no monthly card fee. | Standard Bank Credit Card 2026 pricing guide (p7, p9) | |
| Standard Bank | Blue | R40 | R0 | R40 | R200 | R680 | Up to 55 days | UCount | R40 monthly service fee; no monthly card fee. | Standard Bank Credit Card 2026 pricing guide (p7, p9) | |
| Standard Bank | Gold | R64 | R24 | R40 | R200 | R968 | Up to 55 days | UCount | R40 service fee + R24 card fee (card fee applies to standalone cards only). | Standard Bank Credit Card 2026 pricing guide (p7, p9) | |
| Standard Bank | Titanium | R110 | R70 | R40 | R200 | R1 520 | Up to 55 days | UCount | R40 service fee + R70 card fee (card fee applies to standalone cards only). | Standard Bank Credit Card 2026 pricing guide (p7, p9) | |
| Standard Bank | Platinum | R140 | R100 | R40 | R200 | R1 880 | Up to 55 days | UCount | R40 service fee + R100 card fee (card fee applies to standalone cards only). | Standard Bank Credit Card 2026 pricing guide (p7, p9) | |
| Standard Bank | World Citizen | R340 | R300 | R40 | R200 | R4 280 | Up to 55 days | UCount | R40 service fee + R300 card fee (card fee applies to standalone cards only). | Standard Bank Credit Card 2026 pricing guide (p7, p9) |
Fees in rand, including VAT, for a standalone card. "Monthly fees" is the card (or account) fee plus the credit facility fee. "First year of fees" is our sum (12 × monthly fees + initiation fee), not a bank quote. Click a heading to sort; click again to reverse, a third time for bank order.
How to read the table
- Every figure is from the bank's own 2026 pricing guide, linked in the Source column and checked on the date shown.
- Monthly fees are two charges added together - the card or account fee, and the credit facility (service) fee the National Credit Act allows on the credit itself.
- Several cards cost less inside a bank account bundle - FNB, Absa and Nedbank include the card fee in some account packages. The Notes say where.
- Discovery Bank sells its credit cards as suites - the monthly fee includes the Vitality Money premium, split out in the Notes.
- Interest rates are personalised - each bank sets your rate from your credit profile, so the pricing guides do not publish one rate per card. The National Credit Act caps credit-card interest at the repo rate plus 14 percentage points a year.
- Minimum income is not in the pricing guides, so it is not in the table - each bank checks affordability when you apply.
- TymeBank lists no credit card on its site (checked 2 November 2026) - its credit menu shows personal loans and GrantAdvance only.
- A figure we could not read off the bank's own guide shows "Data pending" - we leave it blank rather than guess.
Facts, not advice. This is published fee information, shown side by side. MaxWealth does not rank, recommend or sell any credit card, and is not paid by any bank. Interest, rewards rules and qualifying criteria change what a card costs you - confirm with the bank before you apply.