Credit Card

Do more and get more when you get a Tymebank credit card

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

Apply Now

Why get a credit card with us?

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

Learn more

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

Apply Today

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 credit card makes it easier to earn more rewards, access more cash and add more shine to your life.

You can use your TymeBank credit card 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 credit card.

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 credit card.

1

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.

2

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.

3

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.

4

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 double points

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

Frequently asked questions

Upon receipt of your TymeBank Credit Card, call us on 0861 007 250 to activate your card and receive your card PIN.

Get the app.
Get the account.

Download the TymeBank app to open your free bank account in less than 5 min. No paperwork. No stress.

Download the TymeBank app now:

Download on the App StoreGet it on Google PlayExplore it on AppGallery