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Credit Cards that reward you for spending

Want to make everyday purchases, cover unexpected expenses or start building up a credit history? We have a range of credit cards that cater to your needs no matter where you are in life. We also make offers and rewards available when you use your credit card to complete purchases. Subject to terms and conditions.

Why is an Atib Credit Card right for you?

What your credit card can do for you

Worldwide acceptance

Your Atib Credit Card has full ATM functions, including cash withdrawals from any ATM worldwide.

Use your card online

You can use your credit card to shop online. It’s easy and convenient.

Build a credit history for yourself

Getting a credit card is an excellent way to build a credit history for yourself.

Get rewarded when you
spend

Simply use your credit card to pay for purchases and earn great rewards from Atib. Subject to terms and conditions and payment of fee.

Find a credit card that suits your needs

Whether you are travelling, studying or need to meet your financial and lifestyle needs, we have a credit card solution for you.

Having financial difficulty

If your debt is beginning to take control of your life, speak to us first. We can advice on how to effectively manage your debt.
Credit cards for everyday use

We a have a versatile range of Atib credit cards that cater for your everyday purchasing needs.

Premium Banking Credit

Your Premium Banking Credit Card offers you the smart and safest way to shop in-store or online. You may qualify if you earn R25 000 a month.

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Gold Credit Card

An all-inclusive credit card with lifestyle-enhancing special offers. You may qualify if you earn between R4 000 and R25 000 a month.

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Transact Credit Card

A perfect first time credit card that will open doors to financial freedom. You may qualify if you earn between R2 000 and R4 000 a month.

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Affinity Credit Card

Enjoy the advantages of a credit card while showing your allegiance with an Affinity Credit Card.

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Our co-branded credit cards

Whether you want to travel abroad or do your everyday shopping, we offer British Airways, Avios and Virgin Money credit cards that reward you for simply using them to pay for purchases or to book local and international flights.

British Airways Credit Card

If you love to travel and shop, then this is the credit card for you. You earn big rewards for using your card to book flights and make purchases.

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Avios Credit Card

Collect bonus points when you use your Avios Credit Card to make purchases and get access to a whole new world of travel rewards.

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Virgin Money Credit Card

Our Virgin Money Credit Card has unique benefits and features such as no monthly or annual fees.

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Credit card for a student

The Atib Student Credit Card will help you build your banking profile and prepare you for the next stage of your life.

Student Credit Card

Are you a registered full-time student and earn a monthly income or allowance of at least R800? Then our Student Credit Card will suit your needs.

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Top tips
Please be advised that Atib will not request our clients to confirm the following information telephonically:

Credit card expiry date

3-digit number on the back of the card

Secure code/OTP number

Your PIN

You will only be required to use your PIN or OTP number when transacting. In the event that you are contacted by Atib:

We will have your card number and you only need to confirm a few digits.

If you receive a secure code/OTP and you are not transacting at all please contact our client fraud hotline on 0860 557 557 or +6011 501 5089.

Understand why credit is important

Are you new to credit or have you got limited credit history? Our credit cards could be a convenient way to borrow money and build a healthy credit record over time. We also have some important tips and useful information on how you can manage your Atib Credit Card and avoid financial pitfalls.

Build a good credit record

Maintaining a good credit history is important as it reflects on your credit score which, in turn, usually impacts on your financial future.

To better manage your credit record, make sure you are in the loop concerning your creditworthiness (an indication of the likelihood that a borrower will default in paying back a loan). Also understand your credit score and credit report.
What we consider when giving you credit

Have a credit history, make your bill and loan payments on time and keep your debt low. This will show us that you’re a reliable person to lend to.

In addition, set up debit orders for payments such as bills. This proves you’re good at managing money.
Other credit solutions

You can also top up your recurring credit facility (Overdraft, Atib Credit Card or Revolving Credit Facility).Simply request a limit increase on your existing product based on the additional funds you require.*

*Subject to a standard risk and affordability assessment. Terms and conditions apply.

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Protecting your credit in tough times

Our Credit Protection Plan can protect you and your family against burden in case of death, temporary disability, disability or death. For more information contact Credit Life.

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Digital solutions that make credit card payments easy

We offer digital solutions to make paying for goods or services faster, easier and more convenient.
Get the MasterPass App™ and start shopping away without any hassle.

You can also pay your bills online using our easy and secure walletdoc app or website. Simply download the app or visit walletdoc.com, register and start paying your bills using your credit card or debit card.