Last but not least, ABSA Bank’s customer service is of high quality. You’ll have access to a dedicated support team ready to assist with any questions or issues you may encounter.
In summary, the Gold credit card from ABSA Bank in South Africa is much more than a mere payment tool. It’s a symbol of elegance, status, and financial power, offering a range of incredible benefits that can make your financial life even more exciting. If you want a credit card that truly makes a difference, the ABSA Gold card is the perfect choice!
Documents
The requirements and necessary documents to apply for a Gold credit card from ABSA Bank in South Africa may vary over time and according to the bank’s policies. However, typically, you can expect the following documents and criteria to be required:
- Proof of identity: You will need a valid identification document, such as a passport or a South African identity card, to verify your identity.
- Proof of address: You will usually need to provide recent proof of residence, which can be a utility bill, bank statement, or lease agreement to confirm your address.
- Proof of income: The bank will likely request evidence of your current income. This may include pay stubs, tax returns, or bank statements that show your earnings.
- Credit history: ABSA Bank may check your credit history to assess your ability to pay and past financial behavior.
- Minimum age: Typically, you must be of a minimum age to apply for a Gold credit card. The minimum age can vary but is usually 18 years or older.
- Minimum income: To qualify for a Gold credit card, you will generally need to meet a minimum income threshold set by the bank.
Keep in mind that these requirements may be adjusted and updated by ABSA Bank, and it is always advisable to check directly with the bank or access the official ABSA Bank website in South Africa for updated information on applying for a Gold credit card. Additionally, note that card approval will depend on your eligibility and the credit assessment conducted by the bank.
Rates, fees and commissions
- Interest rate: Get up to 57 days interest-free on qualifying transactions
- Transaction fee: No transaction fees on purchases
- Fixed monthly payments: You can pay extra on your monthly instalments if you need to
- Credit limit: Up to R90 000.
- Swipe, scan or tap to pay at any point-of-sale machine worldwide.
How to apply
The exact process for applying for a Gold credit card from ABSA Bank in South Africa may vary, but it generally follows the following steps:
- Gather the necessary documents: Ensure you have all the required documents, such as your ID document, proof of residence, proof of income, and any other documentation requested by the bank.
- Check your eligibility: Before starting the application process, verify if you meet the eligibility criteria, such as the minimum age and minimum income set by ABSA Bank.
- Choose the card: Determine which specific Gold credit card from ABSA Bank meets your needs and preferences, as the bank may offer different variants.
- Access the website or visit a branch: You can initiate the application process by visiting the official ABSA Bank website in South Africa or by going to a bank branch in person.
- Fill out the application form: Provide the required information on the application form, including your personal details, contact information, and financial details.
- Attach the documents: Upload or submit the necessary documents, such as your ID document, proof of residence, and proof of income.
- Await the credit check: ABSA Bank will conduct a credit check to assess your ability to repay and your financial behavior.
- Await approval: The bank will review your application and documents and inform you if your application has been approved. This may take some time.
- Receive the card: If approved, the bank will issue the Gold credit card and either send it to the provided address or allow you to collect it at a branch, depending on the bank's policies.
- Activate the card: Follow the provided instructions to activate your Gold credit card. This typically involves calling an activation number or activating it online.
Keep in mind that the specific details of the process may change over time and based on ABSA Bank’s policies, so it’s advisable to check the most up-to-date information on the bank’s website or contact them directly for accurate guidance on how to apply for a Gold credit card.