Compare Credit Cards will soon compare all of South Africa’s leading credit cards instantly and find the best deal. We have searched the market to make it easy for you to compare the most important credit card features such as the interest rate you will pay on a negative balance and the minimum monthly repayment you will need to make. Compare and apply in minutes.


Choosing the Best Credit Card Account For You


Why the Interest Rate on Negative Balances is Important?

There are many credit cards to choose from in South Africa from traditional banks and also their affinity partners such as retail stores. If you typically don’t pay off your balance each month, the interest rate that the bank will charge you on a negative balance is an important factor to consider. This interest rate is the primary way in which banks earn money from you (aside from other charges and annual fees).


Why the Minimum Monthly Payment is Important?

The minimum monthly payment is the smallest amount you are expected to pay back each month and this is usually a percentage e.g. 3% of your outstanding balance. So, if your balance is R1 000 at the time of your statement run, the minimum payment would be R30. Credit card debt can very quickly get out of control so being sure you can afford to pay the monthly repayments, and ideally pay off or towards the balance each month, will save you and potentially your credit history in the long run.

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