Finance your lifestyle with flexible credit solutions
The WesBank Credit Card is a practical and flexible option for consumers looking to finance a modern lifestyle while enjoying competitive fees and convenient access to funds. With a personalised credit limit, interest-free purchases for up to 55 days, and a monthly card fee of just R24.50, this card is built to suit a variety of spending habits without requiring a minimum income threshold.
Tip: Use a budget calculator to assess how much credit you can comfortably afford.
Who should apply?
The WesBank Credit Card is ideal for:
Individuals seeking a low-maintenance credit facility
South Africans without a fixed income requirement
Customers looking for affordable monthly fees with flexible credit options
Anyone who values transaction transparency and fee-based clarity
| Minimum Income | N/a |
| Interest Rate | Affordability dependent |
| Max Credit Interest | N/a |
| Interest Free Period (Days) | 55 |
| Monthly Card Fee | R43.00 + R25.00 credit facility service fee |
| Transaction Fee | Free |
| Cash Withdrawal Fee - ATM | R2.70 per R100.00 (FNB ATM) |
| Cash Withdrawal Fee - Other Bank ATM | R12.00 + FNB ATM fee |
| Cash Withdrawal Fee - Bank Branch | R85.00 + R3.30 per R100.00 |
| Cash Fee* - Own Bank ATM | R2.70 per R100.00 |
| Cash Fee* - Other Bank ATM | R12.00 + FNB ATM fee |
| Account Payment - Own Bank ATM | R 9.50 |
| Transfer Fee - ATM | Free (for IVR Smart Transfer and linked account transfers) |
| Transfer Fee - Bank Branch | R 85.00 |
| Cash Withdrawal Fee - Overseas | R85.00 + R3.30 per R100.00 |
| Cash Deposit Fee - Own Bank ATM | R 1.70 per R 100 (min. R 50.00) |
| Balance Enquiry - Own Bank ATM | Free |
| Garage Card Fee | R 49.00 Monthly free |
| Garage Transaction Fee | R 6.25 |
| Internet Banking Fee | Free |
| Second Card Fee | R 19.50 pm |
| Replacement Card Fee | R 160.00 |
| Travel Insurance | Included (with benefits like eBucks Rewards and Lost Card Protection) |
| Card Protection | Included (Automatic Debt Protection, PIN Replacement, etc.) |
| Benefits | eBucks Rewards, Travel Insurance, Lost Card Protection, PIN Replacement, inContact, Free Online Banking, Decline inContact |
Key features of the WesBank Credit Card
Personalised credit limit
Your credit limit is based on your affordability, allowing WesBank to tailor your facility to your lifestyle and budget.
Up to 55 days interest-free
Make purchases without being charged interest for up to 55 days, provided you pay your outstanding balance in full by the due date.
No minimum income requirement
Unlike many cards, the WesBank Credit Card does not require a minimum income, making it more accessible for a wider range of South Africans.
Transparent and affordable fees
With a monthly card fee of R24.50 and a clear breakdown of transactional costs, you stay in control of your spending.
Garage card option
Add a Garage Card for vehicle-related purchases, ideal for fuel and convenience spend, with a minimal monthly and transaction fee.
Why choose the WesBank Credit Card?
Flexible credit tailored to your affordability
Comprehensive ATM and branch access for withdrawals and payments
Internet banking included at no extra charge
Transparent cost structure with no hidden fees
Option to add second card for shared expenses
Reliable support and financial tools from WesBank