Using a credit card in South Africa

Read our guide to get the best out of your plastic, and your cash, when on holiday in South Africa.

Updated

Fact checked

South Africa is one of the most popular countries for tourism throughout the whole of Africa. Millions of people from overseas arrive every year to enjoy the national parks, beaches and picturesque rural landscapes, as well as major cities such as Cape Town, Durban and Johannesburg.

The booming tourism industry means that credit cards are widely accepted across the nation.

Mastercard and Visa are widely accepted credit cards in South Africa. American Express cardholders may find less businesses accept their cards.

Compare cards with fee-free currency conversion in South Africa

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Link
The Royal Bank Credit Card
9.9%
£0
Min. limit £300, max. limit not specified.
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
More Info
Ulster Bank Credit Card Mastercard
9.9%
£0
Min. limit £400, max. limit not specified.
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
More Info
The NatWest Credit Card
9.9%
£0
Min. limit £300, max. limit not specified.
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
More Info
Santander Zero Credit Card Mastercard
0% for 12 months reverting to 18.9%
£0
Min. limit £500, max. limit not specified.
18.9% (variable)
Retailer offers - 5 Welcome offers of up to 25% cashback at well-known retailers (must switch on Retailer Offers within 60 days of activating card).
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
More Info
Halifax Clarity Credit Card Mastercard
19.95%
£0
Min. limit not specified, max. limit not specified.
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
More Info
Nationwide Member Credit Card Balance Transfer Offer
0% for 3 months reverting to 19.9%
£0
Min. limit £500, max. limit £15,000.
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
More Info
Nationwide Member Credit Card All Rounder Offer
0% for 15 months reverting to 19.9%
£0
Min. limit £500, max. limit £15,000.
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
More Info
Santander All in One Credit Card
0% for 26 months reverting to 15.9%
£3 per month
Min. limit £500, max. limit not specified.
21.7% (variable)
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).
More Info
loading

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Cash machines in South Africa

It should be easy to find a cash machine throughout all urban areas of South Africa, especially in train and bus stations, petrol stations, shopping centres and popular tourist destinations. They may be harder to come by in rural areas, so it’s worth withdrawing plenty of emergency cash before you head to these parts of the country. Bank-affiliated ATMs don’t usually impose additional fees to those your bank may levy.

Cash in South Africa

The South African currency is the rand (ZAR). While you can expect to be able to pay for most goods and services with credit card, it’s smart to carry some cash with you just in case. Retailers in smaller rural areas of South Africa are more likely to demand cash only, while some urban vendors may require you to pay in cash for smaller purchases.

Find a great deal on your travel money for South Africa

Chip and PIN

South Africa has moved from magnetic-stripe to chip cards, and all banks in South Africa now issue the latter. You’ll still be able to use your magnetic-stripe card in South Africa, although you can expect some confusion. In the switching of technology, some retailers falsely believe that they can no longer accept magnetic-stripe cards while some others will not let you use them, to do their bit in reducing credit card fraud. All they basically need you to do is swipe your card instead of inserting it into the machine, and then get you to sign for the purchase.

If you use a chip-and-signature card, you can use it in South Africa just about everywhere you find a manned credit card machine. However, some businesses are hesitant in accepting them because they are not sure if it’s allowed and some others don’t accept them to cut down on credit card fraud. If you are getting tickets from a machine, you will need to enter a PIN, in which case your chip-and-signature card won’t work.

Is it safe to use my card in South Africa?

By exercising some caution when using your credit card in South Africa, you’ll have a relatively trouble-free experience.

  • Keep your PIN safe. Use one hand to enter the PIN and the other to shield it from prying eyes and hidden cameras.
  • Select cash machines with care. Try and stick to cash machines in banks and avoid using ones in the street.
  • Watch out for “skimmers”. When installed in an ATM, a card skimmer works by stealing information from credit and debit cards. If you feel the card slot is not as smooth as it should be or if there is a problem with the keypad, cancel your transaction and look for another ATM.

Keeping your credit card (physically) safe

Remain alert to street crime, especially where two or more people work in distracting victims before decamping with their valuables. Instances of theft at airports are not uncommon, so stay vigilant while arriving and departing. There have been numerous instances of thefts from hired cars so don’t leave your wallet or purse in a parked car.

Potential credit card fees

Credit card fees can leave a noticeable dent in your pocket when you are travelling overseas, so know what you are up against well in advance and choose a card with no or low fees.

Foreign transaction fees

British credit card issuers typically charge a fee equivalent to 1% to 3% of your transaction, so carefully review your card’s fine print to avoid statement surprises. Some cards designed for travel come with no foreign transaction fees, so this could be a good time to switch.

Learn more about cards designed for overseas spending

Currency conversion fees

If a retailer offers to bill your credit card in sterling, dynamic currency conversion comes into play. While this might sound like a good deal, you’ll actually end up getting a worse exchange rate, and you might also end up paying currency conversion fees. Whenever you’re presented with an option, choose to pay in the local currency.

Cash advance fees

Using your credit card to withdraw money from an ATM may not make sense unless it’s a bona fide emergency. Each time you withdraw funds from an ATM, you’re likely to pay a cash advance fee. Your APR for cash advances is typically higher than your purchase APR, and you won’t get any grace period on interest – instead, you start paying interest immediately. Again, some cards designed for overseas spending will waive this fee.

The table below serves as an example of how much extra you may pay to use your credit card in South Africa.

section of credit card summary box document

Additionally, you can get an idea of costs by using these online currency conversion tools from Mastercard and Visa.

What is a cash advance fee?

A cash advance fee is calculated (and charged) when you withdraw cash from your credit card. It’s usually the greater of a flat fee or a percentage of the transaction. For example, “2.5% of the transaction, minimum £3.00”.

How to prepare before travelling to South Africa

  1. Go with Visa or Mastercard. Carry at least two cards on your trip to South Africa, preferably connected with Visa or Mastercard. If you just take an American Express card, you won’t get to use it in many places.
  2. Think no foreign transaction fees. When there are cards that come with no foreign transaction fees, using ones that charge 2% or 3% of each overseas transaction does not make sense. Some of these cards don’t charge an annual fee, either.
  3. Keep your bank informed. Banks, in their efforts to thwart fraudulent transactions, block credit cards if they detect suspicious activity such as unexpected overseas transactions. To make sure this does not happen to your card, let your bank know about your travel plans before you leave the UK.
  4. Keep the emergency number handy. Know which numbers you’ll need to call if you end up losing your card or if you need an emergency replacement.
  5. Know where you’ll get cash from. Consider using your debit card to withdraw cash from ATMs. If you need to exchange money, stick to banks or official money-exchange offices because possessing counterfeit money in South Africa is a serious crime. Try to avoid exchanging money at airports and popular tourist destinations because of typically poor exchange rates.

Next steps

Ask yourself these simple questions before you leave so your spending in South Africa does not hit any roadblocks.

  • Which cards will I take? Visa and Mastercard are the most commonly accepted cards. If you’re planning a trip, check out cards which give you complimentary airport lounge access. If you’re planning well in advance, consider earning air miles for your trip with a frequent flyer credit card.
  • Have I let my bank know? If you don’t inform your bank about your travel plans, you may end up with a temporarily suspended card.
  • What fees do I need to pay? If your existing cards come with foreign transaction fees, look for one that does not. Paying in sterling outside of the UK might come with currency conversion fees.
  • How will I get cash? Using your debit card at a cash machine is the simplest way to access your own money. You can carry cash and traveller’s cheques with you. Exchanging sterling to rand is easy and you’ll get several options.

When you’re in South Africa, you’ll rarely have to worry about where and when you can use your credit card. Just keep some cash handy to pay for small purchases.

How to use a credit card in…

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

More guides on Finder

  • gohenry vs Osper: Fees, features and more

    Both GoHenry and Osper are suitable for parents looking for a children’s prepaid card that comes with great parental control options. Here we compare their features and fees to help you choose the best for you.

  • Compare business bank accounts for startups

    Started up your own business and want to know more about opening a bank account? We take a look at what’s involved.

  • Do I need a business account?

    Whether you are self-employed, a sole trader or a limited company, discover if you need to open a business bank account in the UK.

  • Compare bank accounts for sole traders

    Do you need a business account as a sole trader? Our guide explores why you might want to open one for your everyday banking.

  • Compare bank accounts for sole traders

    Do you need a business account as a sole trader? Our guide explores why you might want to open one for your everyday banking.

  • Official figures say credit card usage is down, but are some having to use their cards more?

    New research indicates that not everyone may have been using their card less throughout lockdown. The study found that over 2 in 5 credit card holders (43%) used, and are continuing to use, their credit cards more than they did before lockdown started in March.

  • Best 0% purchase credit cards

    0% purchase credit cards can help cover the cost of large purchases or expenses, and are often cheaper than a personal loan. Here’s where you can get the best 0% purchase credit cards, and how you can get the best use out of your card.

  • Best credit cards for building credit

    All credit cards benefit your credit history when you use them correctly, but these picks aim to support you on your journey to better credit.

  • Best first credit cards

    If you’re looking to take out your first credit card, it can be hard to know what to look for. Here’s what you need to do to find the first credit card that’s best for you.

  • Novus bank account review

    New UK banking startup Novus says it will offer a digital bank account with a conscience. Here’s what we know about it so far.

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site