Absa Credit Card – How to Apply?

Absa is known to provide its customers with a myriad of credit card options. With this, every customer will always have something for them whether they use the card for everyday purchases or travel and vacation.


Many of the Absa credit cards provide the customer or cardholder with a lot of benefits and features that it is very challenging to choose which one is suited for you. If you want a first-tier well-rounded Absa credit card – the Absa Gold Credit Card is your choice.

Check out the article below to learn more about the Absa Gold Credit Card and how to apply.

Image Source: Briefly News

Absa Gold Credit Card Benefits

The Absa Gold Credit Card offers outstanding benefits and features to cardholders.

Image Source: Foster the Money

It is also one of the most affordable credit cards in South Africa where you can unlock more features as you go. Check them all out below.


Learn More About the Absa Rewards Program

Absa Gold Credit Cardholders can unlock the Absa Rewards Program when they pay for their monthly account fee and monthly facility fee.

While you may immediately think that this feature requires payment, you can get as much as 30% cash back on groceries, fuel, healthcare, and many other purchases at selected partner establishments.

This alone makes the entire credit card worth applying for.

Fixed Monthly Payments

With the Absa Gold Credit Card, you will never have to worry about budgeting your finances to pay off your outstanding credit properly.

The card itself does it for you with its fixed monthly payments. Before you make the transaction, you will be provided with information on the monthly payments that you’ll make.

Should you agree, you will then proceed with the transaction and receive your statement with the agreed fixed amount for you to pay.

Interest-Free Period

When you use the Absa Gold Credit Card for specific purchases, you also unlock a 57-day interest-free period for that purchase.

This allows you to save more money from the interest that you have accrued from the transaction.

Take note that you are required to purchase at partner stores and establishments only to get this perk.

Contactless Payment Technology and Other Security Features

The Absa Gold Credit Card comes with the Tap to Pay technology where you can make payments even without having to swipe your credit card.

All you need to do is tap the credit card on the device and it should confirm the payment. This contactless payment technology has made it very convenient for cardholders to pay.

Apart from that, security features like text alerts and email notifications for transactions protect your account.

Get Travel Coverage with the Absa Gold Credit Card

When you sign up for the Absa Gold Credit Card, you immediately get travel insurance coverage worth up to R1.5 million for travel emergencies.

Take note that this is only available if you purchase your plane tickets through the Absa Gold Credit Card.

This should give you that extra layer of security and assurance that everything will be good when you travel.

Interest Rates and Other Charges

As mentioned above, the Absa Gold Credit Card will charge you a monthly account fee of R25 and a monthly facility fee of R30 to enable the rewards program.

There are no transaction fees for purchases but the interest rate will depend on your application. Be sure that you qualify for the card and have a good credit score when you apply.

Requirements for Application

The Absa Gold Credit Card will have the same requirements, including the age limit, as with many other credit cards.

Image Source: WeeTracker

You can only apply for all credit cards if you are age 18 and above.

You also must have a valid South African card and must present proof of residency and income for not less than three months to support your claim.

You must also be a contributing member of society by having a minimum income of R4,000 or more. You must also provide a valid South African ID book or Smart card to apply.

Contact Details

If you wish to learn more about the Absa Gold Credit Card or you want to apply, you can call their customer service hotline at 0861 114 411. They are available on weekdays from 8 AM to 5:30 PM and on Saturdays from 8 AM to 1 PM.

You can also visit their website for more details or check out their main office located at Absa Head Office, 7th Floor, Absa Towers West, 15 Troye Street, Johannesburg, 2001.

How to Apply for the Absa Gold Credit Card

Applying for the Absa Gold Credit Card is quite simple. The official website has divided the entire application procedure into five very easy steps.

Image Source: NS Banking

All you need to do is to make sure that you have all of your requirements prepared before you start your application.

This should help you apply and get approved for the card much faster.

Step 1

Head over to the official website and choose Absa Gold Credit Card then click on Apply Now.

On the next page, enter the characters as displayed in the image before you can continue.

Step 2

You will also need to complete the six-step assessment to proceed. You can save each step of the assessment if you want to get back to it at a later time.

You can also proceed by clicking on Continue to get to the end of the assessment.

Step 3

At this point, you should already know if you are eligible to apply. Once done, click on Apply to proceed with the application.

Fill out the online application form with your details and review it before you submit it.

Step 4

Do not forget to upload all the necessary documents whenever they ask. Read the terms and conditions thoroughly before you proceed to submit your application.

Step 5

Wait for their reply if you have been approved for the Absa Gold Credit Card. Once approved, the credit card will be sent to you by mail, and don’t forget to activate it to use the card.


The Absa Gold Credit Card offers one of the most well-rounded offers and benefits to any South African. It is one of the most ideal credit cards if you want to earn special bonuses and rewards for transactions and purchases.

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.