Nedbank Classic Credit Card

The Nedbank Classic Credit Card provides you with worldwide purchasing power, straightforward fees, and tools to manage your repayments effectively. With worldwide acceptance at over 25 million merchants, optional additional cards for family members, and an Automatic Payment Order (APO) that settles your balance on schedule, it’s a practical, budget-friendly credit solution for everyday spenders.

A low R24 monthly account fee (plus a once-off initiation) keeps ongoing costs manageable while you enjoy up to 55 days interest-free on qualifying purchases.

Tip: Check your credit score and see how you can make better money choices to improve your credit health.

Quick highlights

Global reach: Accepted at 25M+ merchants worldwide.
Low monthly fee: R24 (plus once-off R165 initiation).
You can enjoy an interest-free period of up to 55 days on qualifying spend as long as you make your payments on time.
Automatic Payment Order (APO): Never miss a repayment.
Add cards for family or a partner to consolidate household spending.
The plan includes limited automatic travel cover, with an optional top-up available.
You can opt for card protection to enhance your peace of mind.

Who should apply?

Choose the Nedbank Classic Credit Card if you:

Earn R3,000+ per month and want to build or grow credit responsibly.
Travel or shop online and need a widely accepted payment method.
Prefer predictable fees and the ability to automate payments.
Want to share credit access with a spouse, child, or family member via additional cards.
Appreciate digital banking control with low self-service costs.

Item	2025 Value / Rule
Minimum Income	R 5 000 p/m
Interest Rate	Personalised; card rates currently range 11 % – 21.50 %
Max Credit Interest (positive balance)	Up to 1.1 % p.a. (Vitality Money status–linked)
Interest‑Free Period (Days)	Up to 55
Monthly Card Fee	R 40 service fee + from R 20 credit‑facility fee (total from R 60)
Transaction Fee (swipes)	Free
Cash Withdrawal – Nedbank ATM	R 2.75 per R 100 (or part thereof)
Cash Withdrawal – Other Bank ATM	R 12 + R 2.75 per R 100
Cash Withdrawal – Branch Counter	R 100 + R 2.75 per R 100
Cash Withdrawal – Overseas ATM	R 65 + R 2.75 per R 100
Cash Deposit – Nedbank ATM	R 2 per R 100
Account Payment – Self‑service	R 10 per payment via digital channels
Transfer Fee – ATM / Digital	Free (inter‑account)
Transfer / Payment – Branch	R 200
Balance Enquiry – Nedbank ATM	Free
Balance Enquiry – Branch	R 26
Garage (Fuel) Card Fee	R 40 p/m for an additional card (first extra card)
Garage Transaction Fee	R 3.50 per fuel purchase
Internet‑Banking Subscription	Free
Second (Additional) Card	R 40 p/m (first extra card free on some bundles)
Replacement Card Fee	R 160
Travel Insurance	Basic cover included on tickets bought with the card; optional top‑up available
Card Protection	Optional credit‑life and purchase‑protection products available
Benefits	Unlimited free swipes, up to 55‑day interest‑free credit, Greenbacks cash‑back rewards, complimentary card delivery, budget facility, virtual cards, and lifestyle discounts (eg Nu Metro, bp fuel)

Top benefits explained

Worldwide acceptance

Use your Nedbank Classic Credit Card almost anywhere credit cards are taken: in-store, online, abroad, and for digital subscriptions. This makes it a go-to card for travel, e-commerce, and day-to-day payments.

Additional family cards

Simplify household budgeting by issuing supplementary cards to a partner or family member. All spending reflects on one statement, making it easier to track and manage expenses centrally.

Automatic payment order (APO)

Set up an APO debit to pay your minimum (or full) balance automatically each month. This helps you avoid missed payments, protects your credit record, and lets you capture interest-free days by settling fully.

Up to 55 days interest-free

Make qualifying purchases and pay them off in full by the statement's due date to enjoy up to 55 days without interest, an easy way to manage cash flow between paycheques.

Built-in and optional cover

You receive limited automatic travel insurance, and you can upgrade with top-up cover for extended protection. Optional card protection helps shield you from card fraud or loss.

Smart cost-saving tips

Use a card, not cash: Purchases are transaction-fee-free; cash withdrawals attract tiered charges.
Pay in full monthly: Capture the 55-day interest-free period and avoid finance charges.
Automate with APO: Protect your credit score and never miss a due date.
Choose your own bank ATM: Reduce withdrawal and account payment fees.
Monitor overseas cash: Foreign ATM withdrawals carry additional per-R100 costs; plan ahead.

How to apply

Check your eligibility by ensuring you have an income of at least R3,000 per month.
Gather the following documents: SA ID or passport, proof of address, recent payslips, or bank statements.
Apply now: Use the online “Apply now” link or visit a Nedbank branch.
Activate and set APO: Once approved, activate the card and choose your Automatic Payment Order option.

Frequently asked questions

Can I set my APO to pay the full balance each month?

Yes. Setting it to “full balance” lets you maximise the interest-free period.

How many additional cards can I add?

You may request supplementary cards (fees apply) for family members subject to Nedbank approval.

Does the card include travel insurance automatically?

You receive limited automatic cover; consider purchasing top-up travel insurance for higher limits or extended trip types.