Money Credit Card South Africa – Maximise 3% Cashback and 55-Day Interest-Free Credit
Stretch your rand further with the Money Credit Card South Africa, earning 3% cashback online, 2% in-store at Game, Makro, Builders and DionWired, plus up to 55 days interest-free
Overview of the Money Credit Card South Africa
The Money Credit Card South Africa is built for everyday South Africans who want to stretch their rand with smart rewards and a long interest-free window. With MasterCard acceptance, you can use the card at Game, Makro, Builders, DionWired and anywhere MasterCard is accepted locally or abroad.
Eligibility is straightforward: from age 18 and a minimum monthly income of R3,000 you can apply, pay an initiation fee (around R100.88) and a monthly service fee (R56.49). The card blends convenience with familiar retail partners, making it a practical choice for household budgets and online shoppers.
Cashback, Rewards and Interest-Free Credit
Earn 3% cashback on online purchases at Game, Makro, Builders and DionWired, 2% in-store at those partner stores (including Cambridge Food) and 1% on other spends. Cashback posts quarterly and can reduce your balance or fund new purchases, so consistent use grows value over time.
One of the card’s strongest selling points is up to 55 days interest-free on purchases: pay within that cycle and avoid interest charges. That 55-day buffer combined with competitive cashback rates makes the Money Credit Card South Africa a reliable tool to manage cash flow between paydays.
Fees, Withdrawals and Credit Management
Be aware of fees when using credit features: ATM and branch withdrawals attract fees, and there are charges for overlimit or late payments (for example, overlimit fee around R200 and late payment fee roughly R100). Everyday card purchases and lost card protection are free, and secondary cards come at no cost.
Responsible credit management keeps the card working for you. Automate payments using the Money Credit App, monitor statements for the monthly service fee and required insurance contributions, and avoid unnecessary cash withdrawals to keep overall costs down while preserving your credit score.
How to Maximise Benefits and Apply
To get the most from the Money Credit Card South Africa, concentrate spending with partner retailers for higher cashback, use the 55-day interest-free period wisely and redeem quarterly cashback promptly. Link your debit for quick payments, enable SMS alerts and review promotions in the Money Credit App for extra deals.
Applying is simple: provide a South African ID, proof of income and a bank account. If you meet the minimum income requirement and have a clean credit record you’ll increase approval chances. Ready to make your rand go further? Apply through the Money Credit App or at participating stores and start earning cashback today.