Business banking
Compare Business Credit Cards in South Africa
Compare South African business credit cards, monthly fees, interest rates, employee spending controls, rewards and eligibility requirements. Understand the full cost of business credit before choosing a card.
Credit limits, interest rates, fees and approval depend on the bank's assessment and the applicable card agreement. Information checked 29 October 2026.
Compare business credit cards
The bank name links to the WiT Money profile. The gold button opens the bank's website. It is not an application.
11 of 11 cards. The list is in bank name order. Nothing is ranked as the cheapest card. A filter only matches words on the product line. It does not decide that you qualify.
A business credit card can leave a balance that attracts interest. No purchase rate is printed on this card. Where the bank mentions interest-free days, that is a maximum on qualifying purchases, not a promise for every transaction. Cash advances are not described as interest-free.
- Card fee
- R40 a month. This is the published card fee. Interest, cash advances and other charges are separate.
- What the card page describes
- Business payment card; revolving credit terms
Eligibility. Subject to bank credit assessment This is the bank's published line. It is not a decision that the business qualifies, and no credit limit is shown.
Purchase interest, cash-advance charges, extra-card fees and foreign transaction fees are not printed as amounts unless the line above already states one. A missing charge is not R0.
Advantages
- Published monthly fee and business expense use
Considerations
- Financing interest/fees and suitability depend on terms
Notes checked 29 October 2026. Named legal entity: Absa Bank Limited. No licence number is printed here.
A business credit card can leave a balance that attracts interest. No purchase rate is printed on this card. Where the bank mentions interest-free days, that is a maximum on qualifying purchases, not a promise for every transaction. Cash advances are not described as interest-free.
- Card fee
- R40 a month. This is the published card fee. Interest, cash advances and other charges are separate.
- What the card page describes
- Revolving access to available credit
Eligibility. Subject to credit approval This is the bank's published line. It is not a decision that the business qualifies, and no credit limit is shown.
Purchase interest, cash-advance charges, extra-card fees and foreign transaction fees are not printed as amounts unless the line above already states one. A missing charge is not R0.
Advantages
- Published account fee
- Credit facility access
Considerations
- Interest on borrowing
- Needs cost-of-credit review
Notes checked 29 October 2026. Named legal entity: Absa Bank Limited. No licence number is printed here.
A business credit card can leave a balance that attracts interest. No purchase rate is printed on this card. Where the bank mentions interest-free days, that is a maximum on qualifying purchases, not a promise for every transaction. Cash advances are not described as interest-free.
- Card fee
- Confirm the current card fee with the bank.
- What the card page describes
- Business travel and rewards features
Eligibility. Requires FNB business account; credit assessment This is the bank's published line. It is not a decision that the business qualifies, and no credit limit is shown.
Purchase interest, cash-advance charges, extra-card fees and foreign transaction fees are not printed as amounts unless the line above already states one. A missing charge is not R0.
Advantages
- Additional cardholder benefits
Considerations
- Fees and qualifying criteria need confirmation
Notes checked 29 October 2026. Named legal entity: FirstRand Bank Limited. No licence number is printed here.
This is a fuel, garage or fleet card. It is not a general-purpose business credit card, and the fee is not ranked against a revolving card.
- Card fee
- Confirm the current card fee with the bank.
- What the card page describes
- Fuel/tolls and motoring expenses
Eligibility. Requires FNB business account; card rules apply This is the bank's published line. It is not a decision that the business qualifies, and no credit limit is shown.
Purchase interest, cash-advance charges, extra-card fees and foreign transaction fees are not printed as amounts unless the line above already states one. A missing charge is not R0.
Advantages
- Separate monitoring of vehicle costs
Considerations
- Specialised use
- Not a general-purpose card
Notes checked 29 October 2026. Named legal entity: FirstRand Bank Limited. No licence number is printed here.
A business credit card can leave a balance that attracts interest. No purchase rate is printed on this card. Where the bank mentions interest-free days, that is a maximum on qualifying purchases, not a promise for every transaction. Cash advances are not described as interest-free.
- Card fee
- Confirm the current card fee with the bank.
- What the card page describes
- Business spend controls; up to 35 days interest free on qualifying purchases
Eligibility. Requires FNB business account; subject to credit approval This is the bank's published line. It is not a decision that the business qualifies, and no credit limit is shown.
Purchase interest, cash-advance charges, extra-card fees and foreign transaction fees are not printed as amounts unless the line above already states one. A missing charge is not R0.
Advantages
- Business expense functionality
Considerations
- Finance costs if balance unpaid
- Conditions and fees vary
Notes checked 29 October 2026. Named legal entity: FirstRand Bank Limited. No licence number is printed here.
A business credit card can leave a balance that attracts interest. No purchase rate is printed on this card. Where the bank mentions interest-free days, that is a maximum on qualifying purchases, not a promise for every transaction. Cash advances are not described as interest-free.
- Card fee
- Confirm the current card fee with the bank.
- What the card page describes
- Travel benefits; up to 35 qualifying interest-free days
Eligibility. Requires FNB business account; credit assessment This is the bank's published line. It is not a decision that the business qualifies, and no credit limit is shown.
Purchase interest, cash-advance charges, extra-card fees and foreign transaction fees are not printed as amounts unless the line above already states one. A missing charge is not R0.
Advantages
- Benefits for business travellers
Considerations
- Higher-tier qualifying terms
- Reward conditions apply
Notes checked 29 October 2026. Named legal entity: FirstRand Bank Limited. No licence number is printed here.
This is a fuel, garage or fleet card. It is not a general-purpose business credit card, and the fee is not ranked against a revolving card.
- Card fee
- Confirm the current card fee with the bank.
- What the card page describes
- Vehicle-related business expense card
Eligibility. Linked or standalone facility; verify conditions This is the bank's published line. It is not a decision that the business qualifies, and no credit limit is shown.
Purchase interest, cash-advance charges, extra-card fees and foreign transaction fees are not printed as amounts unless the line above already states one. A missing charge is not R0.
Advantages
- Convenient fleet expense tracking
Considerations
- Not interchangeable with general business credit card
Notes checked 29 October 2026. Named legal entity: Nedbank Limited. No licence number is printed here.
A business credit card can leave a balance that attracts interest. No purchase rate is printed on this card. Where the bank mentions interest-free days, that is a maximum on qualifying purchases, not a promise for every transaction. Cash advances are not described as interest-free.
- Card fee
- R58 a month. This is the published card fee. Interest, cash advances and other charges are separate.
- A once-off initiation fee of R287 is also published. That is not interest.
- What the card page describes
- Business credit card; R287 advertised initiation fee
Eligibility. Published minimum turnover R150000/year; affordability assessment This is the bank's published line. It is not a decision that the business qualifies, and no credit limit is shown.
Purchase interest, cash-advance charges, extra-card fees and foreign transaction fees are not printed as amounts unless the line above already states one. A missing charge is not R0.
Advantages
- For startups and SMEs
- Defined published fees
Considerations
- Interest, approval and repayment conditions
- Initiation fee
Notes checked 29 October 2026. Named legal entity: Nedbank Limited. No licence number is printed here.
A business credit card can leave a balance that attracts interest. No purchase rate is printed on this card. Where the bank mentions interest-free days, that is a maximum on qualifying purchases, not a promise for every transaction. Cash advances are not described as interest-free.
- Card fee
- R50 a month. This is the published card fee. Interest, cash advances and other charges are separate.
- What the card page describes
- Up to 55 days interest free subject to terms; minimum 5% repayment
Eligibility. Business approval and affordability assessment This is the bank's published line. It is not a decision that the business qualifies, and no credit limit is shown.
Purchase interest, cash-advance charges, extra-card fees and foreign transaction fees are not printed as amounts unless the line above already states one. A missing charge is not R0.
Advantages
- Expense tracking, rewards, published card fee
Considerations
- Interest and repayment conditions apply
- Credit is not free
Notes checked 29 October 2026. Named legal entity: Standard Bank of South Africa Limited. No licence number is printed here.
This is a fuel, garage or fleet card. It is not a general-purpose business credit card, and the fee is not ranked against a revolving card.
- Card fee
- R600 a year. This is an annual card fee, not a monthly fee. Other charges are separate.
- What the card page describes
- Fuel and vehicle expense management; R600 annual published
Eligibility. Business account/credit approval as applicable This is the bank's published line. It is not a decision that the business qualifies, and no credit limit is shown.
Purchase interest, cash-advance charges, extra-card fees and foreign transaction fees are not printed as amounts unless the line above already states one. A missing charge is not R0.
Advantages
- Expense control for fleets
Considerations
- Specialised use
- Annual fee applies
Notes checked 29 October 2026. Named legal entity: Standard Bank of South Africa Limited. No licence number is printed here.
A charge card is not shown as revolving credit. The published line describes settlement in full. The annual fee is not a monthly fee.
- Card fee
- R550 a year. This is an annual card fee, not a monthly fee. Other charges are separate.
- What the card page describes
- Generally full settlement; provider advertises R550 yearly
Eligibility. Corporate approval and terms This is the bank's published line. It is not a decision that the business qualifies, and no credit limit is shown.
Purchase interest, cash-advance charges, extra-card fees and foreign transaction fees are not printed as amounts unless the line above already states one. A missing charge is not R0.
Advantages
- Expense management
- Company spending controls
Considerations
- Not revolving credit
- Full payment required
Notes checked 29 October 2026. Named legal entity: Standard Bank of South Africa Limited. No licence number is printed here.
Compare selected cards
Choose up to three. A revolving card, a charge card and a fuel card are not the same product, so the table does not rank a cheapest card.
No cards selected.
Not shown as a current card
- Investec. Corporate cards — confirm offering. Confirm with the bank before treating it as available.
Estimate your business credit card costs
A card can copy its published monthly or annual fee. It does not copy an interest rate, because none was recorded as a current figure.
Interest-free days and what happens if you pay less
An interest-free period is not a permanent zero rate. FNB Gold and Platinum business cards are described as up to 35 qualifying interest-free days. Standard Bank's business credit card is described as up to 55 days, subject to terms, with a minimum repayment of 5%. Those lines are not applied to Absa, Nedbank or the fuel cards. A purchase near the start of a billing cycle can have fewer interest-free days than the maximum.
A hypothetical R10 000 balance at 18% a year, with no fees and no new spending, accrues R150 of interest in one month. Paying R10 150 clears that illustration. Paying less leaves a balance that can attract interest again. Paying the full qualifying balance can avoid purchase interest where the card's own terms allow it. The monthly or annual card fee can still apply. This example is not a bank quotation, and it does not use an interest-free period.
Employee cards, rewards and who is liable
FNB Gold mentions business spend controls. Standard Bank's credit card mentions expense tracking. The corporate charge card mentions company spending controls. The garage and petro cards are for vehicle costs. Individual limits, extra-card fees and approval workflows are not shown, because they were not recorded. A bank control is not the same thing as accounting software.
Rewards and travel benefits are named only where the product line mentions them. No earning rate, cap or expiry is printed, so no cash value is calculated. A benefit is not a saving until it beats the fees and any interest.
The business named on the agreement is the borrower. An employee who holds a card is not automatically that borrower. A director who signs surety can be personally liable for the debt the surety covers. Limited liability does not undo a valid personal suretyship. The National Credit Act does not apply to every business credit agreement in the same way. A juristic person, the facility and the statutory exclusions can change the position. No NCR number is printed on these cards.
Banks still identify the business, the directors and often the beneficial owners under FICA. The documents are not the same for a sole proprietor and a private company. An existing business account is named as a condition on the FNB cards. It is not assumed for every other card.
Common questions
- Is a business credit card a debit card?
- No. A debit card spends money already in the business account. A credit card is a facility. A charge card is described here as needing settlement in full. A fuel or garage card is for vehicle costs, not general business spending.
- Does up to 55 days mean every purchase is interest-free for 55 days?
- No. FNB's lines say up to 35 qualifying days. Standard Bank's business credit card says up to 55 days, subject to terms, and a minimum repayment of 5%. The actual gap depends on when you buy and when you pay. Cash advances are not described as interest-free.
- Who owes the money?
- The borrower is the business named on the agreement. The employee who uses a card is not automatically that borrower. A director who signs a suretyship can take on a personal promise. A private company does not cancel a valid suretyship.
- Are rewards a saving?
- Only if the benefit is worth more than the fees and any interest. No rand value is calculated here, because the earning rate, the cap and the exclusions were not recorded as a complete programme.
- Does deposit insurance cover the card?
- No. A business credit card is a credit facility, not a savings deposit. Deposit insurance does not protect the business against outstanding card debt.
How WiT Money compares these cards
Cards stay in bank name order unless you sort by the published monthly fee. An annual fee is not folded into that sort. Nothing is ranked as the cheapest or the easiest approval. A listed card is not a recommendation, and WiT Money does not issue it.
Related comparisons
A business bank account holds deposits. A business overdraft is a revolving facility on that account. Neither fee is part of the card fee shown here. The credit card calculator uses figures you type. It does not load a rate from this page.
Sources
Page updated 29 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.
- National Credit Regulator
National Credit Regulator · checked 28 October 2026
- National Credit Act 34 of 2005
South African Government · checked 28 October 2026
- Financial Intelligence Centre
Financial Intelligence Centre · checked 29 October 2026
- South African Reserve Bank
South African Reserve Bank · checked 28 October 2026