Credit Card

Do more and get more when you get a TymeBank CreditCard

An easy-to-use Credit Card that lets you look after your budget. Now that’s cleva.

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Why get a Credit Card with us?

Earn Smart Shopper points WHEREVER you swipa-swipa and 4x Smart Shopper points in Pick n Pay

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Get up to 55 days interest-free when you pay your full outstanding balance each month

Your first personalised Credit Card is delivered to your door, mahala

Flexible payment options available to suit your needs

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You do a lot for usisi wakho. Now you can do more

Balancing what your family needs and what your budget needs is a credit to you.

A TymeBank CreditCard makes it easier to earn more rewards, access more cash and add more shine to your life.

You can use your TymeBank CreditCard to withdraw money from any ATM (for a small fee) and shop everywhere, including online. You also get up to 55 days interest free when your account is paid in full and on time every month.

Just some of what you get mahala

  • SmartShopper points everywhere you shop
  • Get up to 55 days interest-free (when you pay your account in full and on time every month)
  • SMS notifications
  • Monthly statements
  • Delivery of your first personalised TymeBank CreditCard.

Credit Card Pricing Schedule

Secondary CardsFree
First Card Replacement Fee (lost/stolen) Free
Credit Card PurchasesFree
Card Courier Fee (*discretionary fee of R200 for repeated non delivery)Free
SMS NotificationsFree
Initiation Fee (once-off)R160.00
Monthly Service FeeR40.00
Statement Copy FeeR5.50 (*where applicable)
Overlimit FeeR200.00
Late Payment FeeR100.00
Overseas PurchasesR(2% on Rand Value)
Customer Protection Insurance (CPI) *OptionalR4.50 (per R1 000 of your outstanding balance)
ATM Balance EnquiryR6.00 (per enquiry)
Overseas ATM Balance EnquiryR16.00 (per enquiry)
ATM Cash WithdrawalR8.00 (for every R1 000 withdrawn)
Pick n Pay In-Store Cash WithdrawalR3.00 (for every R1 000 withdrawn)

The fees quoted are valid from 25 May 2022. We reserve the right to amend the pricing from time to time.

Customer Protection Insurance is underwritten by Guardrisk Life Limited, a licensed life insurer and an authorised financial services provider (FSP No 76).
Interest Rates charged will never exceed the maximum allowed as per the NCA.
RCS is a registered Credit and Authorised Financial Services Provider. NCRCP 38. FSP 44481.

Why have a Credit Card?

If you are over 18, a South African citizen and earn over R3 000 per month, you can enjoy the benefits of a TymeBank CreditCard.


You can shop online or in-store

You can use your Credit Card anywhere you see the Visa logo, anywhere in the world. You can also draw cash at any ATM on the planet, for a small fee.


They come with built-in security

A Credit Card is filled with loads of safety features such as SMS notifications to keep your money safe from fraud-tsotsi’s. And, if you take up a Credit Card protection plan, your balance will be covered up to R250 000 should you die, get a dread disease or become permanently disabled.


You can pay off big expenses more easily

The budget facility on a Credit Card means you can pay off big expenses, like an unexpected medical emergency, a new fridge or school fees, in smaller monthly installments over 6, 12, 18, 24 or 36 months for purchases of R200 or more.


You can build up your credit record

When applying for a car loan or a clothing store account, your bank will look at your credit history. Managing your Credit Card well by making payments in full and on time, is an easy way to get a good credit record. And a good credit score means quicker approval for loans and possibly even lower interest rates.

How to get the most out of your Credit Card

One card

Travel light. Because your Credit Card is automatically linked to the Pick n Pay Smart Shopper programme, you only need to carry one card in your wallet.

Swipe and earn

Swipa, swipa! No matter where you shop, your TymeBank card will earn you Smart Shopper points every time you use it to pay.

Earn 4x Smart Shopper Points

We’ll give you 4x Smart Shopper points when you use your TymeBank CreditCard to swipe and pay at all Pick n Pay till points across South Africa.

Frequently asked questions

You can see your credit limit in your pre-agreement document, as well as on all your Credit Card statements and in the TymeBank App.

Need more help?

Visit our help center

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