Absa Gold Credit Card

The Absa Gold Credit Card offers a range of benefits tailored to enhance your financial flexibility and lifestyle. An all-inclusive credit card with lifestyle and special offers.

2 June 2025

Unlock more with the Absa Gold Credit Card – designed to give you financial control, convenience, and a range of lifestyle perks. Whether you're looking for interest-free purchases, travel benefits, or secure online shopping, this card offers exceptional value with low monthly costs and smart features.

Tip: A budget calculator can help you manage your monthly budget and credit use.

Why choose the Absa Gold Credit Card?

The Absa Gold Credit Card is ideal for individuals earning R7,000 or more monthly who want everyday spending power combined with exclusive benefits. Enjoy peace of mind with built-in travel insurance, free digital banking, and preferential airport lounge access. With Absa Rewards, earn cashback on eligible spend and save more every month.

*The information reflected above is subject to change. Refer to the bank’s website directly.

Minimum income	R7,000 per month is recommended
Interest-free period (days)	Up to 57 days on qualifying transactions
Monthly account fee	R64.00
Transaction fee	No fees on purchases (excluding prepaid airtime, data, utilities, and Lotto)
Cash withdrawal fee – ATM	R2.60 per R100
Cash withdrawal fee – bank branch	R100.00 + R5.00 per R10
Account payment – own bank ATM	R8,57
Transfer fee – ATM	Free
Transfer fee – bank branch	R100
Cash deposit fee – own bank ATM	R2.60 per R100
Balance enquiry – own bank ATM	Free
Internet banking fee	Free
Travel insurance	Automatic basic travel insurance up to R1.5 million for international journeys when return tickets are purchased with the card
Features	Emergency cash disbursement via Visa Global Cardholder Assistance Services (GCAS). Lounge access – preferential rate for Bidvest Premier Lounges at local and international airports. Credit Protection Plan (optional) – insurance to cover outstanding debt in case of unexpected events. Lost Card Protection – covers you if your card is lost or stolen (must be reported immediately).
Notes	Cash withdrawals and prepaid transactions (e.g. Lotto, prepaid airtime, data) incur interest from the date of the transaction. Currency conversion fee of 2.5% applies for international transactions. Card replacement fee of R160.00 for lost or stolen cards. Branch transactions incur higher fees compared to digital and self-service banking. Balance enquiries at Absa ATMs are free, while enquiries at other ATMs incur a charge. Bidvest Lounge access requires a minimum spend of R4,000 per month (or R12,000 over three months) to qualify.
Benefits	Automatic basic travel insurance – coverage up to R1.5 million for international travel when purchasing return tickets with the card. Free secondary credit card option for a spouse or family member (subject to approval). Cash withdrawal access at ATMs and bank branches (fees apply). Secure online shopping with Visa Verified services. Free Absa Rewards membership, which allows you to earn real cashback on eligible transactions. Low minimum monthly repayment of 3% of the outstanding balance. Optional Garage Card for fuel and vehicle-related purchases (monthly fee applies).

Absa credit card features

Emergency cash disbursement
In case of card loss or theft while travelling, access emergency cash via Visa GCAS, so you’re never stranded without funds.

Bidvest Lounge access
Enjoy preferential access to Bidvest airport lounges, both locally and internationally, when you meet the required spend thresholds.

Credit Protection Plan
Choose the optional Credit Protection Plan to safeguard your finances by covering outstanding balances in unforeseen circumstances.

Lost Card Protection
Your card is covered with Lost Card Protection, giving you peace of mind if it’s ever lost or stolen.

Additional card considerations

Interest applies immediately on cash withdrawals and prepaid transactions.
2.5% currency conversion fee on international transactions.
Card replacement fee: R160.
Use digital and self-service banking channels to save – in-branch transactions may incur higher fees.
Free balance enquiries at Absa ATMs; charges apply when using other ATMs.
Lounge access requires R4,000 minimum monthly spend or R12,000 over three months.

Exclusive benefits with the Absa Gold Credit Card

Comprehensive travel insurance
Get travel cover of up to R1.5 million when you buy your return international flight with your Absa Credit Card.

Free secondary card
Add a spouse or family member at no extra cost (upon approval), making it easier to manage shared expenses.

Absa Rewards access
Earn real cashback on eligible purchases through the Absa Rewards programme, boosting the value of your everyday spending.

Low repayment requirement
Repay just 3% of your outstanding balance each month, offering flexibility and affordability.

Optional Garage Card
Add a Garage Card for fuel and vehicle-related purchases, convenient for drivers (fee applies).

Verified by Visa
Shop online securely with Verified by Visa, adding an extra layer of protection to your digital transactions.

Is the Absa Gold Credit Card right for you?

If you're looking for a low-cost credit card with high-value perks, the Absa Gold Credit Card delivers. Whether you travel often, shop online, or want to earn rewards on daily spending, this card combines convenience with strong financial features.

How to apply

Apply online via the Absa website, or visit a branch for assistance. You’ll need to provide proof of income, a valid South African ID, and supporting documentation.

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