Credit Card

Open up endless possibilities with an RCS Credit Card


RCS Credit Card Benefits


*Terms and Conditions apply. Budget repayment plans for purchases of R600 or more.

How to Apply

Get Your Credit Card in a Few Easy Steps

You can apply if you

  • Are 18 years and older
  • Have a South African ID or driver’s license
  • 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 payslips or bank statements

Application Process

  1. Start your application process here

    Answer a few simple questions and you’ll get a response within seconds. If you are provisionally approved, you can move on to Step 2.

  2. Next, compete the full application

    Complete an easy application and submit your proof of income documents online.

  3. Your card will be delivered to you via courier

    Contact us to activate your card and set your PIN. Then you're ready to shop. Call 0861 729 727.

Apply Now!

How To Pay Your Credit Card

We have a range of payment options available to create the most convenient payment experience for you.

A debit order is automatically set up when you apply for your RCS Credit Card.

If you need to change your debit order details contact us and we will assist you.

Call 0861 729 727

RCS Mobile App and Website

Pay via the RCS App. Download it from any app store.

Login to the Self Service on our website using your desktop or mobile browser.

Go to Self Service

EFT Payment

Pay via EFT from your bank or online using the details below.

Remember to use the RCS Credit Card number on the front of the card as a reference.

Beneficiary: RCS Card
Bank: Standard Bank
Account No: 061234745
Branch: 051001
Account Type: Current Account
Reference: 19-digit RCS Credit Card number

Representative Example

If Sbu spends R7 500.00 and selects a budget repayment plan of 24 months.

For this transaction, at an annual interest rate of 22.25% he will pay a once-off R150 initiation fee and R69 monthly service fee with insurance of R4.50 per R1 000. The total amount repayable will be R11 880.31

Note: our fees, charges and interest rate are governed by the National Credit Act and will never exceed the prescribed maximum. Pricing is subject to change and will be determined based on individual customer profile.

Want To Know More?

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.

More About Credit Cards