Best Credit Cards up to R50,000

If you’re looking for credit cards with a limit around $50,000 in South Africa, this can be an effective way to manage your finances and cover larger everyday expenses. Below, you’ll find four great options to consider:

1. The Capitec GlobalOne Credit Card

This one is a great choice if you’re looking for an affordable and easy-to-use card. With a low monthly fee of just R50, it’s perfect for anyone starting out. You can get a credit limit of up to R50,000, which can grow as you use the card responsibly.

One awesome feature is the 3.5% annual interest back on positive balances, so if you keep a balance in your account, you’ll actually earn interest. Plus, it includes free travel insurance, covering up to R5 million for things like trip cancellations, medical emergencies, and lost luggage.

It works worldwide as a Visa or Mastercard, so you can use it for local and international shopping. You’ll also earn rewards on every purchase, which can be redeemed for discounts, cashback, or even travel perks.

For peace of mind, the card has great security features, including fraud protection, PIN and chip tech, and contactless payments. You also get purchase protection and extended warranties on certain items.

To apply, you need to be at least 18, have proof of income, and an active Capitec account. A good credit history also helps. Get the app and apply now.

2. The Standard Bank Blue Credit Card

This card is perfect if you want a mix of flexibility, rewards, and travel perks. You start with a credit limit of R50,000, and it can increase up to R250,000 based on your credit profile.

One of the best things about this card is the UCount Rewards program—you earn points on every purchase, which you can use for cashback or rewards. Plus, you get free travel insurance of up to R1 million, covering medical emergencies and trip cancellations.

You can spread larger purchases over six months with 0% interest, making it easier to budget. The card also supports digital wallets like Apple Pay, Google Pay, and Samsung Pay for secure, contactless payments​.

The card has a monthly fee of R40, plus a R180 initiation fee, and there’s a 2.75% foreign transaction fee for international purchases. You’ll need to earn at least R5,000 a month and pass a credit check to apply.

Find out more and apply.

3. The FNB Aspire Credit Card

You’ll start with a credit limit of around R50,000, but it can increase based on your financial profile and creditworthiness.

You can also earn eBucks on all your purchases, with extra points for travel, fuel, and retail purchases. Plus, the card comes with international travel insurance, covering things like medical emergencies and trip cancellations.

If you like to travel in style, you’ll get free lounge access when you book flights through eBucks Travel. There’s also purchase protection, so your big-ticket items are covered if something goes wrong.

The card has a monthly fee of R48 and an initiation fee of about R190. To apply, you need a minimum income of R5,000 a month, and you’ll go through a credit check.

If you’re looking for a card with rewards, travel benefits, and purchase protection, the FNB Aspire Credit Card is definitely worth considering. Apply now!

4. The Nedbank Gold Credit Card

The Nedbank Gold Credit Card is a great choice if you want rewards and useful perks. You’ll start with a credit limit of around R50,000, which can go up depending on your credit profile.

You can get 50% off Nu Metro movie tickets, earn rewards when filling up at the fuel station, and enjoy optional travel insurance. Plus, you’ll earn Greenbacks on your purchases, which you can use for discounts or rewards.

The card offers up to 55 days interest-free if you pay your balance in full. It has a monthly fee of R40–R45 and an initiation fee of around R190. To apply, you’ll need a minimum income of R3,000 per month.

Apply now!

Written by

Everaldo Santiago