Easily approved credit cards are an excellent alternative for those starting to build their credit history or who have limited credit, offering greater freedom when making purchases.
Fortunately, in South Africa, there are several options available to meet various financial needs and credit profiles. Keep reading to learn about 7 standout options that could be perfect for you!
7 Easily Approved Credit Cards You Can Apply For
ABSA Flexi Core
About the card
The ABSA Flexi Core credit card is a great option for those seeking simplicity and essential benefits. With a straightforward application process and accessible income requirements, it’s a popular choice among consumers looking to build a good credit history.
Benefits
- Application process can be done 100% online;
- Comes with ABSA rewards and benefits program;
- 57 days of interest-free purchases;
- Basic travel insurance coverage;
- Digital integration with the ABSA banking app.
ABSA Student
About the card
The ABSA Student card also stands out among easily approved credit cards. With it, you can make purchases at any establishment that accepts Visa while building a good credit history.
Benefits
- No monthly fees;
- Wide acceptance in the Visa network;
- Comes with ABSA rewards and benefits;
- Helps create a good credit history;
- Can be managed through the ABSA Banking app.
Standard Bank Gold
About the card
The Standard Bank Gold credit card combines versatile benefits with a reasonable monthly fee, making it a popular choice among consumers. With simple approval requirements, it’s a great option for those seeking easily approved credit cards.
Benefits
- Travel perks like discounts on flights and travel insurance;
- Cashback when booking on Booking.com;
- Great deals on leisure, dining, and more;
- Wide acceptance with the Mastercard logo;
- Integrated banking app.
Nedbank Gold
About the card
The Nedbank Gold credit card is an excellent choice for those looking for comprehensive benefits without a high cost. Issued with the Mastercard or American Express logo, you can use it for national or international purchases.
Benefits
- 55 days of interest-free credit;
- Greenbacks rewards program benefits;
- Basic travel insurance;
- Exclusive discounts with Visa partners;
- Contactless payments.
Edgars Store
About the card
Continuing with easily approved credit cards, the option offered by the Edgars store chain is also an excellent choice. By getting one, you can count on exclusive benefits at no extra cost.
Benefits
- Comes with a complete security system;
- Option to request up to 3 additional cards;
- Enjoy up to 6 months interest-free on purchases at Edgars stores;
- Easy to use;
- Can be approved for those with limited credit history.
Virgin Money Credit Card
About the card
The Virgin Money credit card is known for its structure with very accessible fees and attractive rewards, ideal for those seeking an economical credit card.
Benefits
- Comes with contactless payment technology;
- Rewards on spending;
- Basic travel insurance;
- Comes with chip and PIN security;
- Wide acceptance with the Mastercard logo.
Who are easily approved credit cards recommended for?
Easily approved credit cards are designed to meet a variety of financial needs and profiles. They are ideal for:
- University Students: Often need credit to cover educational and personal expenses, and easily approved credit cards can help them build a credit history;
- Young Professionals: Those starting their careers and may have limited credit history. Easily approved cards can offer a practical way to start building credit;
- Newcomers to the Country: Immigrants or people who have recently moved to South Africa may struggle to get traditional credit due to a lack of local credit history;
- People with Poor Credit: Individuals trying to recover from a poor credit history or who have limited credit can find opportunities with easily approved cards;
- Self-Employed and Small Entrepreneurs: Independent professionals or small business owners may need credit cards to manage business and personal expenses, and cards with more accessible requirements can be a good option;
- People with Variable Income: Those with unstable or irregular income may find easily approved credit cards more accessible than traditional cards.
Final considerations
Choosing the right option among easily approved credit cards can make a significant difference in managing your personal finances. With various options available, it’s essential to consider the specific benefits of each card and how they align with your financial needs.
Whether you are new to using credit or someone with a limited credit history, these options offer an accessible and practical way to enjoy the benefits of a credit card.
Choose the card that best meets your needs and apply to start enjoying the advantages today.
