Quick Facts
What is the Absa Gold Credit Card?
The Absa Gold Credit Card is a mid-tier credit card that offers excellent value for money with its low R55 monthly fee and comprehensive benefits package. It's positioned between entry-level cards and premium platinum options, making it ideal for consumers who want gold-level benefits without breaking the bank.
The card stands out with its fuel cashback feature - a practical benefit for South Africans dealing with high petrol prices. Combined with buyer protection, price protection, and extended warranty on purchases, the Absa Gold provides tangible everyday value.
With a minimum income requirement of just R4,000, the card is accessible to a wide range of consumers while still offering the prestige and benefits associated with a gold card.
Key Features
Fees & Charges
| Fee Type | Amount |
|---|---|
| Monthly Fee | R55 |
| Annual Fee | R660 (R55 x 12) |
| Cash Advance Fee | 4% (min R35) |
| Over Limit Fee | R150 |
| Late Payment Fee | R150 |
| Card Replacement | R100 |
* Fees are subject to change. Cash advances incur interest immediately with no interest-free period.
Requirements
How to Apply
Check eligibility online
Use Absa's online pre-qualification tool to see if you qualify without impacting your credit score.
Apply for the card
Apply through the Absa website, Absa Banking App, or visit any Absa branch to apply in person.
Submit required documents
Provide your ID, proof of income, and proof of residence. Existing Absa customers may skip this step.
Wait for approval
Absa will assess your application and credit profile. Approval typically takes 1-3 business days.
Collect and activate
Collect your card from a branch or have it delivered. Activate via the app or call centre and start using.
Pros & Cons
Advantages
- Low monthly fee of R55
- Lower minimum income requirement (R4,000)
- Cashback on fuel purchases
- Comprehensive buyer protection
- Price protection - get refund if price drops
- Good balance of features and affordability
Disadvantages
- Absa Rewards not as generous as some competitors
- No airport lounge access
- Limited travel benefits compared to premium cards
- Cashback on fuel may have caps
Frequently Asked Questions
Ready to Apply?
Get your Absa Gold Credit Card and enjoy fuel cashback and buyer protection.
Apply Online Call 0860 227 522Why Choose This Card?
- Fuel CashbackSave on petrol purchases
- Buyer ProtectionCovers theft & damage
- Low Income RequirementOnly R4,000 minimum
Use Credit Responsibly
Always pay your full balance to avoid interest charges. Credit cards can lead to debt if not managed properly. Only spend what you can afford to repay.
Compare Options
See how this card compares to other credit cards in South Africa.
View All Credit Cards →Save on Fuel and Enjoy Gold Benefits
Apply for the Absa Gold Credit Card and enjoy cashback, protection, and rewards.