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Open Truworths Account

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Open Truworths Account online or in-store and enjoy exclusive benefits as an account holder.When you open Truworths account, you get R1000 fashion vouchers, 6 months interest free.
Application is easier and you can apply anytime anywhere at the comfort of your home.

WHEN YOU OPEN A TRUWORTHS ACCOUNT;

  • you get R1000** Fashion Vouchers* when your account is opened.
  • You shop the latest fashion over 6 months (interest free*) or 12 months interest bearing.
  • Use your card to shop at all Truworths, Truworths Man, UZZI, Office London, Earthaddict, Earthchild and Naartjie stores across South Africa.
  • Once you apply you will automatically become a TRUROYALITY member and get access to exclusive benefits at no extra cost.

To open go online at www.truworths.co.za.

Truworths Contact details-

Online shopping: 087 285 9401
Customer service: +27 21 460 2300

How to Apply for Identity

HOW TO OPEN AN IDENTITY ACCOUNT – Open Identity Account and get R750 Fashion Vouchers that allows you to shop your favourite fashion.

Having Identity Account is the safest and convenient way to shop for your favorite fashion. No cash needed, option to pay over 6 or 12 months.

Fashion Delivery right to you home, work or nearest store after you have chosen you must-have fashion item,

Let us locate your must-have item and have it delivered right to your home, work, or nearest store.

Complete your account application in 4 easy steps:

  • First Name
  • Initials
  • Surname
  • South Africa ID Number
  • Email Address
  • Cell phone number

If you do not have South African ID, you can visit any Identity store and apply at the cash desk.

Open an account today and get R750 fashion vouchers with T&Cs

Credit Card For Bad Credit

Get a credit card. Easy approval. No annual fee.

Get bad credit card today. Apply online and see whether you qualify.

APPLY nOW.

Top  Credit Cards in South Africa for Bad Credit Holders

Do you have a poor credit record, dont worry, there is always a credit card out there for you,it does not matter if you have bad credit score or not.

Credit cards for bad credit holders will give you an advantage over your finances and improve your credit score in the long term.

There are many credit card companies in South Africa that offer cards for people with low credit, allowing them to regain their quality of life.

Poor credit can make it hard to get a car loan, mortgage, or apartment lease, so taking steps to improve your credit is crucial.

1. Virgin Money Credit Card
This credit card can work very well for those who have low incomes. It has no annual fee and balance transfer fee.
But still, there are some costs you have to pay if you apply for this card.
For example, 6.9% p.a. on balance transfers for up to 36 months if you apply by 02 December 2019.
If you make international transactions your costs will be 3.3%. Balance Transfer Rate reverts to the Cash Advance Rate of 20.99% p.a. as soon as the offer period ends.
You can apply only if your income reaches their minimum requirement R5 000. You can add four cardholders without any fee.
They offer 44 days interest-free period.

2. Absa Student Credit Card
This is another no annual fee credit card in South Africa.
To be eligible You must be a registered full-time student with a valid SA ID and earn a monthly income of at least R200.
The ABSA student credit card lets you swipe for purchases for free.
If you want to withdraw money from your credit card, you will be charged with a fee of R3.95 plus 1.15% from an ABSA ATM and R9.95 and the 1.15% from different banks’ ATM.
If you have a positive balance, you will be paid an interest rate of 0.2%. In the case of the outstanding balance, your monthly minimum repayment is 3%.
Their credit card limit is R200 and the fee is of the interest rate of 18%. [2]

3. Capitec Global One Credit
This card is perfect for those who can manage their credits well. If you have a positive balance you can earn 4.75% per year.
The bank offers up to 55 days interest-free period. The credit limit is up to R250 000.
You can personalise your credit card options based on your profile and affordability and pay a personalised interest rate from 10% per year.
You can do cashless payments worldwide at Mastercard®, card machines, online and for telephone and mail orders.
They don’t charge you with currency conversion fees for card purchases overseas. Their initiation fee is R100, the monthly fee is R35 and the interest rate is 10.00% – 20.50% that can vary based on your credit profile. [3]

4. FNB Gold Credit Card
The FNB Gold Credit Card offers you a lot of benefits such as free comprehensive global travel insurance, free automatic debt protection, free AA emergency roadside assistance with a linked Petro card. There is even more! You can earn between R84 000 – R299 999 per year, earn up to 15% back in eBucks on your qualifying FNB Connect contract or prepaid purchases, online shopping, domestic Uber rides and Uber Eats orders and whenever you use your Gold card. The bank offers personalised interest rates as well up to 55 days interest-free period. They have balance transfer and budget facility options too. To be eligible you need to earn between R84 000 – R299 999 per year.

5. Standard Bank Gold Credit
The Standard Bank Gold Credit Card is also a good option for people with low income. They require a R5000 minimum monthly income.
The credit limit is R 250.000 and the monthly fee is R54. You can personalise the interest rates as well.
They offer flight discounts with Emirates for up to 35%, automatic basic travel insurance and Credit Card Protection Plan.
You can have various lifestyle advantages like 4 Ster-Kinekor movie tickets, 1GB of AlwaysOn Wi-Fi for a once off fee of R19 and get 11GB FREE, food and lifestyle offers on the MasterCard and UCount Rewards points every time you use your Credit Card. [5]

Store Account Pick n Pay

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With Pick n Pay Store Account:-

  • You get upto 55 days interest free credit when you pay your account in full and on time each month.
  • There is Zero transaction fees and zero joining fees.
  • R10 only as monthly fees
  • Your credit facility is accessed via your existing smart shopper card.
  • You can spend at pick n pay stores nationwide, including clothing and pharmacy stores
  • you get free sms notifications on all purchases for your security.
  • Get R100 back every month when you spend R2000.00 or more on your store account

To APPLY

Simply SMS “PNP” to 30087, scan the QR code with your smartphone or call 0861555995.

APPLY NOW

Credit Card FNB

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Credit cards are the most convenient way to safely and easily spend your money in-store,online or even when you are overseas.It provides instant access to money you are not carrying in cash in your pocket,wallet or in handbag.

 

Credit cards from FNB allows you to get instant savings and free benefits anytime you use your credit card.Plus you earn free Ebucks on your credit cards everytime you swipe.

The following credit cards are offered by FNB:-

Credit Card:this category of credit card is designed for exceptional people giving then exclusive service and prestigious benefits while flying, gifting, fashion, leisure and more.

Gold Credit Card:This credit card comes with amazing benefits which includes global travel insurance, elevated credit limits and debt protection.

Premier Credit Card:Benefit from one-stop service from Premier Banking and access to the exclusive SLOW Lounges with FNB’s Platinum Credit Card. Apply online today!

Private Clients Credit Card:Apply online for private clients credit card or at your nearest FNB branch today and get up to 55 days interest free.

Private Wealth Credit Card:Gives you 55 days interest free.Apply online or at your nearest FNB branch today!

Petro Card:Never be left stranded again. As an FNB Petro Card Holder, you benefit from AA Emergency Roadside Assistance, contactless payments and more, from just R34 per month.

 

Visit FNB today and browse for Credit Card deals and Deals catalogue to get exclusive promotional retail offers with an FNB Credit Card.