Branded Credit Cards – Many Benefits Come With Branded Credit Cards

Why Store-Branded Credit Cards?

Most major South African banks have aligned themselves with leading retailers to lure customers to apply for store-branded credit cards, especially when clients are loyal and shop at their store frequently.

For example, Edgars is partnered with Standard Bank.

So customers who have a Standard bank account and who shop at Edgars could be offered an Edgars store-branded credit card.

There are dozens of retailers, including petrol stations and supermarkets, which have entered into partnership agreements with major banks because the retailers want to offer their clients the benefit of store-branded credit cards.

Here are a few examples:

  • Woolworths
  • Checkers
  • PicknPay
  • Makro
  • Game
  • And also Edgars

store-branded credit cards

One of major store-branded card providers is RCS that gives South Africans access to more than 21,000 retailers nationwide.




Features and Benefits of RCS

  • Affordable monthly instalments
  • Flexible payment options
  • Revolving credit facilities
  • Budget plans for purchases from R600
  • Also, receive exclusive promotions and offers
  • Online account management
  • Online shopping
  • Free SMS notifications
  • And also free monthly bank statement via SMS or e-mail


Here are examples of two RCS store-branded credit cards:

RCS Makro Credit Card

  • R2 000 minimum monthly income
  • Up to R20 000 credit limit
  • Also, receive a birthday gift voucher worth R100
  • Insurance for retrenchment, disability or death
  • Extended warranties
  • And also exclusive deals


RCS Game Credit Card

  • R2 000 minimum monthly income
  • Up to R50 000 credit limit
  • Flexible repayments
  • Also, receive R400 in vouchers
  • Revolving credit
  • Extended warranties
  • And also receive exclusive deals


RCS PicknPay Credit Card

  • Individually assessed credit limits
  • Smart Shopper rewards programme
  • 24-month revolving credit
  • Also, 36-month budget facilities
  • Optional death and permanent disability insurance up to R10 000
  • Optional retrenchment and temporary disability insurance
  • Monthly service fees apply
  • Also, receive periodic bank statements via e-mail or cell phone


Woolworths Credit Card

The unique black Woolworths credit card is in keeping with its upmarket image because of the benefits that come with this card.

  • Customers get back 3% in quarterly WVouchers each time they swipe their card in-store
  • Also, the WRewards program membership offering lower prices and extra benefits
  • Free monthly TASTE magazine
  • The cardholder gets free tea or coffee twice monthly when they go to any Woolworths CafĂ©, To Go or Tapas Bar
  • Free delivery when shopping online at Woolworths


Additionally, the Woolworths Credit Card can be used worldwide at 29 million participating Visa merchants to withdraw cash from ATMs.

Eight additional cards

At no extra cost, clients are entitled to eight additional cards. All transactions on active cards will go towards WRewards vouchers.

Other features and benefits

  • Balance Protection Insurance
  • Short term insurance protection on purchases
  • A 1% WRewards on quarterly vouchers for purchases outside of Woolworths
  • Travel Insurance
  • Also, free medical services to cardholder and family. That includes monitoring of medical condition during and after hospitalisation
  • eStatements
  • Extended warranties
  • Budget facilities
  • Also, fuel purchases earn up to 1% in WRewards quarterly vouchers, interest-free for up to 55 days


Qualification requirements

  • Applicants must be 18 years and older
  • Be in possession of an RSA ID document/card
  • Earn more than R41,666 a month

All info was correct at time of publishing