Credit Card FAQ

Frequently Asked Questions

What is an RCS Credit Card?

The RCS Credit Card is an internationally recognized credit card, brought to you by RCS & issued by Mastercard.

Where can I use my RCS Credit Card?

You can use your RCS Credit Card anywhere you see the Mastercard logo, both locally and internationally.

Where can I apply for an RCS Credit Card?

You can apply for an RCS Credit Card via the online application form.

What do I need to apply for a RCS Credit Card?

To apply for an RCS Credit Card you must:

  • Be 18 years or older
  • Have a valid South African ID or driver’s license
  • Have a bank account
  • Be employed and earn R 3000 or more per month
  • Provide your latest 3 months payslips or bank statements at the time of application

How long will it take before I receive my card?

Once your application has been approved, we will courier your card to you within 5-7 working days.

How do I activate my RCS Credit Card?

Once you have received your RCS Credit Card, simply call us on 0861 729 727 to activate your card. Please have your ID number and account/card number on hand. Once your card has been activated, you will receive an SMS containing your PIN details.

What do I do if my card is lost or needs replacement?

Please call us on 0861 729 727 for lost/stolen or replacement cards.

How do I pay my monthly RCS Credit Card instalment?

 You can pay your RCS Credit Card by using the RCS App, via EFT or Debit Order. For Debit Order arrangements, call us on 0861 729 727.  

For EFT payments, our Banking Details are as follows:

Bank Name: Mercantile Bank

Branch Code: 450805

Account Type: Transmission

Bank Account Name: RCS Credit Card

Account Number: Unique number on the back of your card

Reference Number Unique number on the back of your card

What if I can’t pay my monthly instalment?

Give us a call on 0861 729 727 and we will see how we can assist you in finding a solution that meets your needs.

How do I get my RCS Credit Card statement?

You will receive your statement either by e-mail or on your mobile. For queries, call us on 0861 729 727

Is there a RCS Credit Card App and if so, what can I do on the App?

You can download the free RCS APP from your iOS or Android APP stores.


The RCS App allows you to manage your account on the go 24/7 and to:

  • Check your available credit
  • View your latest transactions
  • Download your statements
  • Pay your account
  • View retailers deals and promotions
  • Change your PIN
  • Request a card block, so that the card cannot be used if lost or stolen

What is Customer Protection Insurance?

For your peace of mind, your card allows you the option of Customer Protection Insurance*, underwritten by Guardrisk Insurance Company Limited*, covering the following:


  • Death Cover - Covers your full outstanding balance
  • Permanent Disability - Covers your full outstanding balance
  • Temporary Disability - Covers up to 12 months’ instalments
  • Loss of Income - Covers up to 12 months’ instalments


*Guardrisk Insurance Company Limited is an Authorised Financial Services Provider. Additional information on key limitations, exclusions, risks and charges related to the policy can be viewed at