Frequently Asked Questions

RCS is a consumer finance business that offers financial services to suit your lifestyle needs – including cards, loans and insurance. 

RCS is a registered Credit and authorised Financial Services Provider. NCRCP 38/ FSP 44481.

You can apply for an RCS Store Card at selected retailers nationwide or via the online application form.

To apply for an RCS Store Card you must:

• Be 18 years or older
• Have a valid South African ID or driver’s license
• Be employed and earn R2 000 or more per month
• You will be required to provide proof of income documentation

You can apply via our online application form

Based on your individual circumstances, you may be granted credit ranging from R1,000 to R55,000.

As a registered credit and authorised financial services provider, RCS is governed by the National Credit Act in assessing whether we can provide you with credit. We will conduct an assessment which looks at your income and expenses and uses your credit score - which is linked to your credit history and tells us how well you have managed your credit obligations in the past. Based on this information, we will determine whether we can grant you credit at this time.

• Your RCS Store Card gives you access to South Africa’s largest independent shopping network both in-store and online.
• Our network includes over 30 000 stores – and that means you can shop for the brands you love. Just look out for the RCS logo to see where the RCS Store Card is accepted. For more information about our shopping network Click here
• You can also shop online by accessing you DigiCard in the RCS App

Based on your individual assessment, you will be charged a monthly service fee for the management of your account, interest in accordance with National Credit Act (NCA) regulations and an Insurance premium for your peace of mind. You will also be charged a once-off initiation fee at application.

The easiest way to pay is via the RCS App or the Self Service portal on our website. You can also pay via EFT, debit order or EasyPay.

If paying via debit order, please use the bank details on your statement and include your 19-digit account number as reference. Call us on 0861 SAY RCS (0861 729 727) to set up a debit order.

Alternatively, you can pay at any of these stores: Pick n Pay, Game, Makro, Builders, NWJ, Foschini, Total Sports, Markham, Galaxy & Co, SportScene, Relay Jeans, @home, Exact, Donna, American Swiss, Fabiani, The Fix and Sterns.

Give us a call on 0861 SAY RCS (0861 729 727), and we will try to assist you in finding a solution that meets your needs.

You can get your card balance or instalment information via the following options:

• Checking your monthly statement
• Download  RCS App and get your balance anywhere, anytime
• Log onto our Self Service portal and selecting “Available Credit”
• Dial *120*727*card number*# (use your 19-digit card number) on your mobile phone, at a cost of 20c per enquiry.
• Contact our call centre on 0861 729 727 and follow the prompts

RCS Self Service allows you to manage your account conveniently and in your own time using the RCS App or via Self Service on our website.

You can do the following via these Self Service channels:

• Check  your available credit
• Pay your account online
• View your favourite retailers' latest deals and promotions
• Access cash from your card (available to qualifying customers)
• Download your statements
• Update your information -  email address
• Update your preferences - Choose how you receive statements

You can access our Self Service portal here or by downloading the RCS App in the Google Play store, Huawei App Store or Apple App Store.

If you need help with the RCS App or Self Service, you can chat with us via our website or our Facebook page @RCSGroup.

Click here or the chat icon below to chat with one of our agents.

If you lose your card we will replace it for you.

It is important that you report your lost card to us immediately so that we can block your card and protect your account.

You can visit a Game or Makro store to replace your card. A nominal fee is charged for the replacement.

Simply call 0861 SAY RCS (0861 729 727) to report your card as lost or stolen. Please have your card number and ID number ready.

Contact us immediately if you need to dispute a transaction on your RCS account. Call us on 0861 775 522. and have your card number and ID number handy. Operating hours: 8am - 10pm (Monday to Friday), 8am - 9pm (Saturday) and 9am to 7pm (Sunday).

For your protection, your card will be blocked until you’ve visited one of our selected partner stores to collect a new one.

You’ll then need to complete a Dispute documentation. Send us  the following documents:

• Dispute Form, completed, signed and commissioned by a Commissioner of Oaths (this can be done at your nearest Police Station, Post Office or Bank)
• 3 sample signatures
• Copy of your ID document
• A copy of the front and back of your card - if the card is still in your possession

Send these documents to us via email to: AllDisputes@rcsgroup.co.za or fax on +27 21 597 4548.

Customer Protection Insurance (CPI) will provide the following cover:

• Death and permanent disability covers the outstanding balance of your account;
• Loss of Income & Temporary Disability – covers up to 12 months’ instalments

Cover is underwritten by Guardrisk an authorised financial services provider (FSP76) and a licensed life insurer.

Please see our terms and conditions for more information.

Qualifying customers can access cash from their RCS Store Card.

You can apply to access cash from your RCS Store Card through the following channels:

• On the RCS App
• Contact us on 0861 729 727
• Once you have completed the simple application form, you will receive a notification of your request.
• If successful, the funds will be paid into your bank account within 48 hours.

Credit limit increase requests are processed via our Contact Centre. Call 0861 729 727. Please have your most recent 3 months’ bank statements or pay slips ready.

Statements are automatically emailed once a month to the email address we have on record for you. If you need to change the email address that we send your statement to, you can update this via the RCS App or contact us at 0861 729 727.

If the statement we send you via email is undelivered, it will be delivered to you it via SMS instead.

You can also download your RCS Store Card statement via the RCS App for your convenience.

First, ensure you have enough credit on your Store Card. A reminder that you can check your balance:

• Via the RCS App or Self Service portal on our website.
• Dial *120*727*card number*# (use your 19-digit card number) on your mobile phone, at a cost of 20c per enquiry.
• Contact our call centre on 0861 729 727 and follow the prompts

If your card is still declining, ask the store assistant to contact our customer services centre to find out if there is a technical issue causing your card to be declined.

There are easy ways to pay.

OPTION 1:  RCS APP

Download the RCS App from your app stores.

You can also view your latest statement, check your balance, view deals, update your personal details and purchase airtime and data via the app. It’s easy!

OPTION 2: SELF SERVICE at RCS.co.za

Visit www.rcs.co.za and click on “My Account”

Register for Self Service and login to pay your account online.

You can also check your available credit, download your latest statement and update your email address via the Self Service portal.

OPTION 3: EFT

You can pay your account with an Electronic Funds Transfer (EFT) via your bank’s online portal using these details:

Bank Beneficiary: RCS Card

Bank: Standard Bank

Account Number: 061 234 745

IMPORTANT:  Use your 19-digit RCS Account Number as your payment reference so that we can allocate your payments to your account.

OPTION 4: DEBIT ORDER

Call us and set up a debit order: 0861 729 727.

OPTION 5: EASY PAY

You can use your EASY PAY Number on your statement to pay anywhere where EASY PAY payments are accepted, including Pick n Pay, Checkers and Shoprite.

OPTION 6: IN-STORE

You can visit your nearest Game or Makro store to make a payment.

Your Easy Pay number can be viewed on your statement. Alternatively, you can contact our dedicated customer service line: 0861 729 727

We would hate to lose you as a customer. If we can assist with anything related to your account, please call us on 0861 729 727 so that a customer service consultant can assist you.

If you still want to close your account follow the steps below and we will make it as easy as possible for you:

1. Notify us of your intention to close your account by calling 0861 729 727. Follow the automated prompts.
2. We will send you a settlement letter including a settlement amount that you will be required to pay to settle your account. The settlement amount is valid for 5 days.
3. Your account can only be closed once it is settled.
4. You will receive written confirmation that your account is closed once you have paid the settlement amount – provided that this is within the 5 period of the settlement letter.
5. If the settlement amount is not paid within the 5 day period then you will need to obtain a new settlement letter and settlement amount, which will need to be settled within 5 days to complete the process of closing the account.

The RCS Credit Card is a MasterCard credit card that can be used anywhere in South Africa where MasterCard is accepted.

You can use your RCS Credit Card locally anywhere you see the Mastercard logo.

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

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 South African bank account
• Be employed and earn R3 000 or more per month
• Provide your latest 3 months pay slips or bank statements at the time of application

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

Once you have received your RCS Credit Card, simply call us on 0861 729 727 to activate your card and set your PIN. Please have your ID number and account/card number on hand.

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

You can pay your RCS Credit Card via Debit Order or EFT. To change your Debit Order, call us on 0861 729 727. For EFT payments, please refer to your statement for bank details.

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

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

The RCS App allows you to manage your RCS Credit Card conveniently:

• Check your available credit
• View your latest transactions
• Download your statements

For your protection we offer Customer Protection Insurance to take care of the debt obligation on your credit card account. 

Benefits:

• Death – covers your outstanding credit card account balance
• Permanent Disability - covers your outstanding credit card account balance
• Loss of Income – covers up to 12 months’ credit card account instalments
• Temporary Disability - covers up to 12 months’ credit card account instalments

DISCLAIMER

Customer Protection Insurance is underwritten by Guardrisk Life Limited, an authorized financial services provider (FSP76) and a licensed life insurer, and administered by RCS Cards (Pty) Limited, an authorized financial services provider (FSP44481).

Please see our terms and conditions for more information.

You can apply for an RCS Loan by clicking here or you can call us 0861 SAY RCS (0861 729 727)

You can apply if you

• Are 18 years and older
• Have a South African ID or driver’s license
• Have a South African bank account
• Are employed and earn R3,000 or more per month
• Can provide proof of income documentation

We’ll need the following documents from you

• A South African ID or driver's License
• Latest pay slip or bank statements

RCS offers loans ranging from R2 000 to R300 000.

You can apply for a loan amount within this range. Based on your individual circumstances, and the requirements of the National Credit Act, you may be granted a loan for a value within this range.

Depending on your individual situation, you can be granted a loan from R2 000 to R300, 000. As a registered credit provider [NCRCP 38], we are committed to responsible lending and governed by the National Credit Act in assessing whether we can provide you with credit. We assess your credit score as well as your income and expenses to determine whether you can be granted credit, and how much.

Based on your individual assessment, you will be charged a once off initiation fee at the start of your loan contract, a monthly service fee for the management of your loan and interest, in accordance with the NCA regulations. These costs are all clearly stipulated in your loan agreement and included on your loan statements.

Your monthly loan instalment will be automatically debited from your bank account on a date you selected at time of application.

Customer Protection Insurance (CPI) will provide the following cover:

• Death & Permanent Disability – covers the outstanding balance of your account;
• Loss of Income & Temporary Disability – covers up to 12 months’ instalments

Cover is underwritten by Guardrisk Life Limited, an authorised financial services provider (FSP76) and a licensed life insurer.

Please see our Terms and Conditions for more information.

For your protection we offer Customer Protection Insurance to take care of the debt obligation on your Store Card.

Benefits:

• Death – covers your outstanding store card account balance
• Permanent Disability - covers your outstanding store card account balance
• Loss of Income – covers up to 12 months’ store card account instalments
• Temporary Disability - covers up to 12 months’ store card account instalments

DISCLAIMER

Customer Protection Insurance is underwritten by Guardrisk Life Limited, an authorized financial services provider (FSP76) and a licensed life insurer, and administered by RCS Cards (Pty) Limited, an authorized financial services provider (FSP44481).

Please see our Terms and Conditions for more information

For your protection Customer Protection Insurance is offered where you have an approved store card and/or loan with RCS. You have the right to waive the Customer Protection Insurance offered by us and to substitute it with a policy of your own choice, which covers the same benefits and which policy must then be ceded to RCS with written directions as stated in the National Credit Act. Customer Protection Insurance is optional on all credit cards. For more information contact the insurance team on 0861 729 727, or policies@rcsgroup.co.za 

DISCLAIMER
Customer Protection Insurance is underwritten by Guardrisk Life Limited, an authorized financial services provider (FSP76) and a licensed life insurer, and administered by RCS Cards (Pty) Limited, an authorized financial services provider (FSP44481).

If you have further queries, please contact RCS Insurance on 021 597 4000/0861 729 727 or email policies@rcsgroup.co.za.

Visit our How to Claim section, and follow the easy steps.

The RCS Insurance Claims Department will acknowledge receipt of the customer’s dispute as soon as they receive same, following which a claims assessor will be assigned to the customer’s dispute to investigate.

The RCS Insurance Claims Department will determine whether the dispute can be investigated within their department or if the complaint must be escalated to the Insurer. In the event that the complaint is escalated to the Insurer, the Insurer will investigate and assess the dispute and provide feedback to the assessor with regard to the outcome.

The assessor will send a letter and/or SMS to the customer informing them of the outcome.

If there are any delays in finalizing the investigation, the claims assessor will communicate this to the customer and where possible, inform the customer of when the investigation will be finalised.

Should the customer be dissatisfied with the outcome, they may contact us at claims@rcsgroup.co.za or 0861 729 727. Should the customer remain dissatisfied, they may contact the ombudsman on the following:

FAIS Ombudsman:

Postal Address: PO Box 74571, Lynwood Ridge, 0040

Tel: (012) 762 5000 or (012) 470 9080

Fax: (012) 348 3447 or 0860 764 1422

E-mail: info@faisombud.co.za

Website: www.faisombud.co.za

The Long Term Insurance Ombudsman:

Postal Address: Private Bag X45, Claremont, 7735

Tel: (021) 657 5000

Fax: (021) 674 0951

E-mail: info@ombud.co.za

Website: www.ombud.co.za

A monthly admin fee is charged when your account has an active balance, and annual interest at 21.5% is charged on the outstanding amount. If you have no outstanding balance and have not made any purchases, you will not be charged any fees until you decide to use your account.

Please note the annual interest rate may change in accordance to changes in the South African REPO rate.

You can use Mobicred to pay later at over 100 000 online stores, as well as a wide network of in-store retailers. Unfortunately there are a few brands where Mobicred is not yet accepted; but new brands are added each month. Visit the Mobicred website and social pages to see where you can spend with your account.

A debit order is automatically set up when you open your Mobicred account. A minimum of 7.5% of your outstanding balance will be debited each month. You can also make direct EFTs to Mobicred with your account number as reference to settle your balance earlier, or pay more than the minimum requirement.

You can start an online application here, click on a Mobicred logo or banner from a partner retailer, or download the Mobicred App to apply.

The repayment amount will be calculated based on the loan amount, the period of the loan, and the interest and fees that are charged. Read how you can manually calculate your loan repayments here.

You must pay at least the minimum amount due as indicated on your statement by the due date. You must pay us by debit order. There are no penalty fees charged should you wish to settle your loan in full.

We will conduct an assessment which uses your credit score (which provides us with your credit history and tells us how well you have been managing all your credit in the past) as well as your income and expenses. Based on all this information we will determine whether we can grant you credit at this time. We offer loans from R2 000 up to R300 000. For more information, read How much can I borrow with a Personal Loan in South Africa.

We charge a once-off initiation fee, which is a fee that you pay to us for initiating your account. The amount will be set out in the pre-agreement. You may choose to pay the whole initiation fee with your first account payment. If you choose this option, you must let us know on your application form, otherwise, we will add this fee to your account as part of the principal debt so that you may pay it off in instalments.

We will charge a service fee, which is a fee that you pay to us for the administration of your loan. This will apply for as long as your loan is outstanding. The amount and frequency of the service fee will be set out in your pre-agreement, however, we may change this amount on notice to you.

We will conduct an assessment which uses your credit score (which provides us with your credit history and tells us how well you have been managing all your credit in the past), as well as your income and expenses. Based on all this information we will determine whether we can grant you credit. For more information, read how to qualify for a personal loan in South Africa.

To qualify for a loan, you must be at least 18 years old, have a South African ID or driver’s license, have a South African bank account, be employed, earn R3 000 or more per month and be able to provide proof of income. See if you qualify for a personal loan.

Employment is an RCS requirement to be granted a loan. For more information read about how you can get a personal loan without a payslip.

You will need to ensure your credit score is in good standing, however, your credit score is not the only consideration. Most financial service providers apply their own rules to each application. Here is more information on what credit score is needed for a loan.

Based on the provisions of the National Credit Act, we will calculate the amount of any interest, fees and other costs that will be charged to your account. These amounts will be shown on your statement. The rate of interest that we charge to your account will be reflected on your pre-agreement, but will never be more than the maximum annual interest rate permitted by the National Credit Act from time to time. The interest rate is linked to the repo rate* and will be fixed for the period of the agreement.
Interest is calculated on a daily basis and added to the principal debt (in other words, compounded) on a monthly basis.

If you are in arrears, additional interest will be charged on overdue amounts at the same rate as the interest rate applicable in terms of the loan agreement. Arrear interest will be collected with your next debit order. For more information on the calculation of interest, read How are personal loan interests calculated?

*Read How Does The South African Repo Rate Affect Your Loan for more information.

All applications are dependent on how quickly we receive the required documentation from you as well as the application being passed through our internal processes. Once approved, your loan will be deposited into your bank account within 24 hours. For more information, read How Quickly Can I Get a Personal Loan.

DigiCard is your digital card available on approval, via the RCS App. You can use your DigiCard to shop online immediately before you collect your card in-store. 

All purchases made with your DigiCard will be reflected on your monthly statement.

RCS App

Please request the increase via our Contact Centre on 0861 729 727 or in writing via email at RCSCreditCard@rcsgroup.co.za.

For a temporary credit limit increase, such an increase will be for a limited time only and must be repaid in full with your next instalment. To request a permanent credit limit increase or automatic annual increases, please note that any increase will depend on our scoring criteria, the provisions of the National Credit Act and your agreement with RCS. If approved, the new limit will be reflected in your statements.

We’d be sorry to see you go! If there’s anything we can help with regarding your account, please call us at 0861 729 727, and one of our customer service consultants will gladly assist you. If you still wish to close your account, please follow these steps:

• Call 0861 729 727 and follow the automated prompts to inform us of your decision.
• We’ll send you a settlement letter with the amount needed to close your account. This amount is valid for 5 days.
• Once the account is settled, it will be closed, and you’ll receive written confirmation.
• If the amount isn’t paid within 5 days, you’ll need a new settlement letter with an updated amount, which must also be paid within 5 days to complete the account closure.

You can pay more than the minimum amount due, while this will reduce your outstanding balance, it won’t allow you to skip future payments. If you’d like to pay off your account in full, please contact us on 0861 729 727 first to get a settlement amount. Keep in mind that settling the balance does not automatically close the account, you’ll need to contact us directly with a specific request to do so.

A credit card lets you borrow pre-approved funds/money from a financial institution to make purchases or pay bills, up to a set predetermined limit. You then need to repay this amount either all at once at the end of the month or in smaller monthly payments with interest.

Yes, you can withdraw cash from your credit card through a process known as a cash advance. This allows you to access predetermined funds, typically a percentage of your total credit limit. It's generally advisable to use the cash advance feature sparingly due to the higher fees and immediate interest charges involved.

Each month, you're required to pay a minimum percentage of your outstanding credit card balance, which varies by financial institution. For detailed information on your specific credit card repayments, it's best to review your credit card agreement or contact your credit provider directly.

Paying off your credit card balance completely each month, instead of just the minimum amount, is good for your credit score. This is because it lowers the percentage of your available credit that you're using, and that percentage is a big factor in how your credit score is calculated.

Your credit card's interest rate is shown as an annual percentage rate. This rate can be different depending on the card. Interest is usually calculated daily on the amount you owe, and it's added to your monthly statement. Make sure you read the terms and conditions of your credit card to understand exactly how the interest works. 

Interest on credit cards begins to accumulate if the full balance isn’t settled by the due date. In South Africa, the interest rates are linked to the prime lending rate and usually range between 10% and over 20%. Interest is only charged on the amount carried over into the following month, so paying off as much as you can, as often as you can, will minimize the interest fees.

Yes, it’s possible to get a credit card even if you don’t have a credit score. Some financial institutions offer specialized credit products designed to help individuals build their credit profiles. However, it’s important to be aware of certain factors, such as higher interest rates, loan terms, or collateral requirements etc.

If you’re wondering what to do if you don’t have a credit score, focus on building a positive credit score first, as this will make accessing credit easier and safer in the future.

While some credit card providers accept cash payments deposited in a bank branch or at an ATM, we encourage electronic payments for convenience and security.

Each credit qualification and application will differ based on the lender you approach to apply for credit with. With us, you can apply for a credit card if you are over 18 years old, have a South African ID/driver’s license, are employed, earn R3,000 or more per month and can provide proof of income. 

You're legally allowed to have as many credit cards as you can get approved for, but that doesn't mean you should. Credit providers will look at your finances before approving you, so your personal situation plays a big role. The key is to think about why you need a credit card in the first place, rather than just how many you can have. Focusing on your needs will help you manage your money better.