10 Best Credit Cards for Entertainment in South Africa

The 10 Best Credit Cards for Entertainment in South Africa (2025) – Reviewed. We have Rated and Reviewed the 10 Best Credit Card Options that Offer rewards and points on Entertainment, Entertainment Purchases, Concerts, Dining Out, Amusement Parks, Amazon, Shopping and Movie offers, Ticketmaster, travel, food, and, much more!

In this in-depth guide, you will learn:

1. The Best Credit Cards for Entertainment in South Africa (2023) – a List
2. What is Considered as entertainment for Credit Cards?
3. What Bank or Provider (Discovery, FNB, Absa, Standard Bank, Nedbank, American Express, Woolworths, Capitec) offers the best credit card for Entertainment?
4. The Best Credit Cards for entertainment with no annual fee, no fees, rewards, cashback, and, high limits.

And much, MUCH more!

10 Best Credit Cards for Entertainment in South Africa – a Comparison

10 Best Credit Cards for Entertainment in South Africa (2025)

1. ☑️ Discovery Bank Purple Wealth Suite – Overall, The Best Credit Card for Entertainment in SA
2. ☑️ Absa Flexi Core Card – Instant Access to Visa Services
3. ☑️ Nedbank Private Wealth Card – Free automatic enrolment to Nedbank Greenbacks
4. ☑️ FNB Premier Card – eBucks Rewards Program
5. ☑️ Absa Gold Card – Customizable interest rates
6. ☑️ Standard Bank Diners Club Card – Privilege access to special events and shows
7. ☑️ FNB Aspire Card – Automatic Debt Protection
8. ☑️ American Express Platinum Card – Up to R4600 ZAR Digital Entertainment Credit
9. ☑️ Woolworths Black Card – Recognized Internationally
10. ☑️ Capitec Global One Card – Cashless payments, with zero fees worldwide

Discovery Bank Purple Wealth Suite

Discovery Bank has two banking products: the Discovery Bank Purple Suite for the wealthy and the Discovery Bank Purple Wealth Suite for the ultra-wealthy.

According to Discovery, the Wealth Suite provides its cardholders with a metal credit card that can provide up to 100% off local and international business class flights for themselves and their spouse.

Other benefits include free gym memberships at any Virgin Active or Planet Fitness health club in South Africa, premium lodging through the Purple Hotel Collection, unlimited airport lounge visits, a more customized banking experience, better investment rates, and free gym memberships at any Virgin Active or Planet Fitness health club in South Africa.

Discovery Bank Purple Wealth Suite Fees and Interest Rates

• ✅ Monthly account fee: R455
• ✅ Monthly Vitality Money premium: R75
• ✅ Total monthly account fee: R599
• ✅ Annual card fee: R3,250

Customers of Discovery Bank can take advantage of customized interest rates.  You may save more and pay less when you manage your money wisely using Dynamic Interest Rates, which are only available from Discovery Bank in South Africa:

• ✅ Get up to 3.75% on positive balances in your transaction and credit card accounts
• ✅ Get up to 4.5% on your Demand Savings Accounts
• ✅ Get up to 4.85% on 24-hour Notice Savings Accounts
• ✅ Pay up to 6.75% less on your borrowing rate.

Discovery Bank Purple Wealth Suite Conditions, Application, Limits, and, Utilization Rates

Although the qualifications to apply for a Purple Card are not specified, the strict requirements for the Discovery Bank Purple Suite remain in place.  A prospective cardholder must make a minimum of R2.5 million, or R208,00, per month.

Your credit utilization rate, also known as your credit utilization ratio, is calculated as the amount of revolving credit you are currently using divided by the total amount of revolving credit you have available. In other words, it equals your credit limit divided by the total of your outstanding debt.

Discovery Bank Purple Wealth Suite Customer Review

🥇 Excellent Support.

You cannot get better service from any other organization! The team from Discovery Purple Card has gone to the ends of the earth to help. – Shanice

Discovery Bank Purple Wealth Suite Pros and Cons

ABSA Flexi Core Credit Card

The Absa Flexi Core Credit Card gives you up to 30% cash back on select in-store and online purchases. Furthermore, there are basic challenges that can be done every three weeks in order to get food vouchers.

For the first 57 days, there will be no interest applied to your account. Thus, debts are “frozen” for nearly two months. This card is essential for anyone traveling overseas. Finally, it’s a Visa card, which is accepted almost everywhere Visa is accepted.

ABSA Flexi Core Credit Card Fees and Interest Rates

• ✅ Monthly administration fee: R40.00
• ✅ Digital fraud warranty: No Charge
• ✅ Rewards membership fee: No Charge
• ✅ Senior Rebate Banking minimum balance: R5 000

Your credit profile will be used to calculate interest rates. On eligible transactions, you can get up to 57 days without paying interest.

ABSA Flexi Core Credit Card Conditions, Application, Limits, and, Utilization Rates

You must satisfy the following requirements in order to apply for an ABSA Flexi Core Credit Card:

• ✅ Required monthly income: R2,000
• ✅ Age: 18 years or older
• ✅ Required documentation: Valid South African ID book or Smart card, evidence of residency, and the most recent evidence of income for three months running

To apply, take the following steps:

• ✅ Click on the Apply Now button on the website
• ✅ On the Online Account Application page, enter the characters as displayed in the image
• ✅ Please complete the six-step assessment
• ✅ You may Save and continue later, or Continue at each stage of your assessment
• ✅ Click Apply when you have completed your assessment

Your credit utilization rate, also known as your credit utilization ratio, is calculated by taking the amount of revolving credit you are now using and dividing it by the total amount of revolving credit you have available. In other words, it is the total amount of your current debt divided by the maximum amount of credit you are allowed to have.

ABSA Flexi Core Credit Card Customer Review

🥇 Interest Free.

I love my interest-free days and this card is accepted everywhere which makes buying entertainment really easy. – Miriam

ABSA Flexi Core Credit Card Pros and Cons

Nedbank Private Wealth Card

The Nedbank Private Wealth Credit Card is only available to those who are asked to apply for it. To be considered, you must have a personal yearly income of at least R1.5 million or investable assets of at least R5 million, excluding the residence you live in.

Nedbank emphasized that its 24-hour Service Suite, which is available specifically to these cardholders, is committed to assisting with banking inquiries, lifestyle needs, event booking, flower delivery, and reward redemption.  Multi-trip travel insurance with Visa Infinite is available for up to $2.5 million (R38,300,000).

Nedbank Private Wealth Card Fees and Interest Rates

• ✅ Monthly fee: R500 per month

Your unique credit profile will be used to establish the interest rate, and depending on your status, you may be eligible for a lower interest rate or other benefits. Those who have a minimum income of R500 000 per month qualify for the lowest possible interest rate, which is 8.80%.

Nedbank Private Wealth Card Conditions, Application, Limits, and, Utilization Rates

To apply for a Nedbank Private Wealth Bundle Account you must be 18 years or older and earn at least R1,5 million a year. Here is the full list of requirements:

• ✅ You need to be 18 years or older. Not available to trust, companies or legal entities
• ✅ You need to live in South Africa and have a valid South African ID or a valid passport and work permit
• ✅ A personal income of more than R1,5 million a year, and/or investable assets over R5 million (excluding primary residence)
• ✅ All credit facilities are subject to credit and affordability checks

Your credit utilization rate also referred to as your credit utilization ratio, is calculated by dividing the total amount of revolving credit you have available by the amount of revolving credit you are now using. To put it another way, it is the total amount of your current debt divided by the amount of available credit you have.

Nedbank Private Wealth Card Customer Review

🥇 Great for Gifts

I won’t lie I’ve used the service suite a lot, especially for the flower deliveries. – Jo-Anne

Nedbank Private Wealth Card Pros and Cons

FNB Premier Credit Card

FNB is an excellent credit card provider. You can save points in the EBucks rewards system year after year, which you can subsequently use to buy anything. The best part is that you are paid for purchasing products that you would have purchased anyhow.

The interest-free term of 55 days allows you to repay your bank credit before spending unnecessary money. The interest rate is also variable, so you pay a percentage of what you spend on your card. You do not overpay if you do not use your card that week.

FNB Premier Credit Card Fees and Interest Rates

• ✅ Monthly account fee: R250

The interest rate is personalized on the FNB Premier credit card.

FNB Premier Credit Card Conditions, Application, Limits, and, Utilization Rates

To apply for FNB’s Premier Credit Card you need to fulfil the following requirements and conditions:

• ✅ You need to earn between R350 000 and R849 999 per year
• ✅ Copy of your recent pay slip
• ✅ Three months’ bank statements
• ✅ South African ID book/card
• ✅ Proof of residence

Your credit utilization rate, also known as your credit utilization ratio, is the amount of revolving credit you are now using divided by the total amount of revolving credit you have available. In other words, it is the total of your outstanding debt divided by the credit limit.

FNB Premier Credit Card Customer Review

🥇 Multiple Benefits!

There are a lot of great benefits to using the Premier Card and it has helped me build a solid credit score. – Justin

FNB Premier Credit Card Pros and Cons

ABSA Gold Credit Card

The Absa Gold Credit Card provides access to Bidvest Airport Lounge access at a discounted rate. You get R1.5 million in automatic basic cover for a variety of travel emergencies

If your card is lost or stolen, you are covered as long as you notify the bank, and you can earn cash back when you use your card to make local and international purchases.  Completing simple challenges on the Absa Banking App can earn you quick rewards for banking smarter, and you get Visa perks such as Visa Global Merchant offerings exclusive to Visa.

Payments via contactless technology allow you to tap your card, smartphone, or wearable device to pay at any point-of-sale machine globally.

ABSA Gold Credit Card Fees and Interest Rates

• ✅ Monthly account fee: R55

On eligible transactions, you are entitled to 57 days without paying interest. Your credit profile will be used to calculate interest rates.

ABSA Gold Credit Card Conditions, Application, Limits, and, Utilization Rates

To apply for ABSA’s Gold Credit Card, these are the following requirements:

• ✅ Monthly income required: R4 000
• ✅ Age: 18 years or older
• ✅ Documentation required: Valid South African ID book or Smart card, proof of residence, and the latest proof of income for three consecutive months
• ✅ Subject to an affordability assessment

Your credit utilization rate, also known as your credit utilization ratio, is the amount of revolving credit you’re using divided by the total amount of revolving credit you have available. It is the total of your existing debt divided by your credit limit.

ABSA Gold Credit Card Customer Review

🥇 Straightforward Process.

The sign-up process was really straightforward and I got a lot of help from Absa. – Gloria

ABSA Gold Credit Card Pros and Cons

Standard Bank Diners Platinum Credit Card

Diners Club International has made the Diners Club Platinum Credit Card available in South Africa in collaboration with Standard Bank. The Diners Club Platinum Credit Card is designed particularly for people who enjoy traveling across the world and have a distinct taste in entertainment.

The credit card offers world-class benefits as well as services that go beyond banking. Benefits include things like lifestyle advantages, insurance discounts, and travel bonuses.

Standard Bank Diners Platinum Credit Card Fees and Interest Rates

• ✅ Monthly card fee: R120

Interest rates are personalized ranging from a minimum of 11.75% (prime – 0.25%), but will be a fixed interest rate once they are set.

Standard Bank Diners Platinum Credit Card Conditions, Application, Limits, and, Utilization Rates

To apply for a Standard Bank Diners Platinum Credit Card you will need the following:

• ✅ Certified South African ID copy or valid passport (if not SA citizen)
• ✅ Residential address verification (utility bill not older than 3 months)
• ✅ Latest copy of income tax return (IRP5) or
• ✅ 3 months’ original bank statements, if copies they must bear a bank stamp and not printouts from the internet (if no salary advice available)
• ✅ Tax number / SARS Payslip/salary advice
• ✅ If living with another person and has no proof of residential address, an Affidavit from the other person confirming that the applicant resides with them and the nature of the relationship

The amount of revolving credit you’re utilizing divided by the entire amount of revolving credit you have available is your credit utilization rate, also known as your credit utilization ratio. In other terms, it is the sum of your current debt divided by your credit limit.

Standard Bank Diners Platinum Credit Card Customer Review

🥇 What a Bonus!

I use a lot of the bonuses that come with this card, but I particularly like the interest rates. – Jack

Standard Bank Diners Platinum Credit Card Pros and Cons

FNB Aspire Credit Card

FNB Aspire, credit users, get two free SLOW lounge visits each year. OR Tambo International Airport, King Shaka International Airport, Lanseria International Airport, and Cape Town International Airport all have free access to the two SLOW lounges.

The FNB Aspire Credit card comes with additional features. One of the best entry-level credit cards is the FNB Aspire. The credit card includes several features that enable you to earn rewards and save money on specific transactions. Opening a credit card is straightforward because it may be done fully online.

FNB Aspire Credit Card Fees and Interest Rates

• ✅ Monthly card fee: R45

FNB offers a personalized interest rate, while you get up to 30 days interest-free.

FNB Aspire Credit Card Conditions, Application, Limits, and, Utilization Rates

The following are necessary in order to apply for a FNB Aspire Credit card:

• ✅ You must have a yearly income of R84 000 to R449 999.
• ✅ You must also provide a copy of your most recent pay stub, three months’ worth of bank statements, a South African identity document, and proof of residency.

Your credit utilization rate, also known as your credit utilization ratio, is calculated as the amount of revolving credit you are currently using divided by the total amount of revolving credit you have available. In other words, it equals your credit limit divided by the total of your outstanding debt.

FNB Aspire Credit Card Customer Review

🥇 Amazing!

This was amazing as my first credit card. I’ve been on a better earning rung for a while and decided to take the plunge and so far I have gotten a lot out of this card with great rates. – Sipho

FNB Aspire Credit Card Pros and Cons

American Express Platinum Credit Card

The Platinum Credit Card is one of American Express’s most popular credit cards.  When applying for an American Express card, the minimum income is not considered, and this credit card is ideal for those who spend a lot of time going out, whether for personal or business purposes.

Customers who use the American Express Platinum card have access to over 1,000 domestic and international airport lounges in over 130 countries, as well as automatic travel insurance and a slew of other perks.

American Express Platinum Credit Card Fees and Interest Rates

The American Express® Platinum Credit Card:

• ✅ Credit facility service fee* (monthly): R32
• ✅ Primary Card (monthly): R458
• ✅ Additional Card (monthly): Free

The average interest rate across all Amex credit cards is 19.75%, at the time of writing.

American Express Platinum Credit Card Conditions, Application, Limits, and, Utilization Rates

You can apply for an Amex card in South Africa through Nedbank. To apply, you need to fulfill the following requirements and conditions:

• ✅ You need to be over 18 years old.
• ✅ You need to live in South Africa and have a valid South African ID or a valid passport and work permit.
• ✅ You need to earn at least R17,000 a month before tax and have a healthy credit score.

The amount of revolving credit you’re utilizing divided by the entire amount of revolving credit you have available is your credit utilization rate, also known as your credit utilization ratio. In other terms, it is the sum of your current debt divided by your credit limit.

American Express Platinum Credit Card Customer Review

🥇 Great for Travel.

American Express Foreign Exchange has the best rate for your international currency. Traveling abroad has been made easier. – Darius

American Express Platinum Credit Card Pros and Cons

Woolworths Black Credit Card

The Woolworths Black Credit Card is a high-end credit card with a monthly income requirement of R41,666.00 or an annual income requirement of R500,000.00. The credit card comes with automatic enrolment in the WREWARDS program, which gives customers an extra 5% off WREWARDS purchases.

Woolworths credit cardholders receive 3% back in the form of quarterly coupons on all Woolworths purchases. Woolworths black credit card customers also receive 1% back on non-Woolworths purchases in the form of quarterly coupons.

Woolworths Black Credit Card Fees and Interest Rates

• ✅ Accounts from 6 May 2016: R69.00
  Secondary card: Free
• ✅ Domestic Card Purchases: Free
• ✅ Account Payments

The Woolworths Credit Card interest rate is 21%

Woolworths Black Credit Card Conditions, Application, Limits, and, Utilization Rates

The following requirements must be met in order to apply for a Woolworths Black Card:

• ✅ At least 18 years old
• ✅ A valid South African ID
• ✅ A monthly income of at least R41,666
• ✅ A copy of your most recent pay stub
• ✅ An original bank statement or utility bill

Your credit utilization rate also called your credit utilization ratio, is the amount of revolving credit you’re using split by the total amount of revolving credit you have available. In other words, it is the total amount of your existing debt divided by the amount of money you can borrow.

Woolworths Black Credit Card Customer Review

🥇 Great!!

I have used this credit card for most of my purchases since receiving it from Woolworths and have enjoyed the quarterly coupons in particular. – Jude

Woolworths Black Credit Card Pros and Cons

Capitec Global One

The Capitec Bank Global One credit card is a hybrid that offers benefits for both travel and leisure. The monthly charge for the credit card is R40.00, and the interest rate is variable and starts at 7.25%. The credit card has a maximum credit limit of R500,000.00, although the credit limit is determined by income and affordability.

To be eligible for the Capitec Bank Global One credit card, you must be employed and earn at least R5,000.00 per month. Self-employed individuals must earn at least R10,000.00 per month to be eligible for the credit card. You must also have a good credit score to be eligible for the account.

Capitec Global One Fees and Interest Rates

• ✅ Initiation fee: R100
• ✅ Monthly fee: R40

The interest rate will start at 7.25 % (depending on your credit profile)

Capitec Global One Conditions, Application, Limits, and, Utilization Rates

To apply for the Capitec Bank Global One Credit Card you will need the following:

• ✅ Original ID document (must be 18 years or older)
• ✅ Latest salary slip
• ✅ 3-month bank statement
• ✅ The minimum salary requirement for a credit card application is R5 000 and R10 000 for self-employed clients

The amount of revolving credit you’re utilizing divided by the entire amount of revolving credit you have available is your credit utilization rate, also known as your credit utilization ratio. In other terms, it is the sum of your current debt divided by your credit limit.

Capitec Global One Customer Review

🥇 Streamlined.

Excellent service and a streamlined application process from Capitec. – Kate

Capitec Global One Pros and Cons

Factors to consider when choosing credit cards for entertainment

Credit cards with entertainment rewards are a terrific way to earn additional money on your ordinary purchases. Here we provide four points to think about before deciding on your next one:

• ✅ Although there are rare exceptions, most reward cards demand a good credit history. For example, some credit cards are secured and earn cash-back incentives for spending and are normally available to applicants who are new to credit or have fair credit.
• ✅ You don’t usually have balance. Because rewards credit cards typically have higher APRs, carrying a load will likely cancel out the value of your incentives.
• ✅ Annual fees can frequently run into the hundreds of dollars, so make sure you’re earning enough points from your card to cover them.

Some reward cards may levy fees for purchases made outside of South Africa. Furthermore, depending on the payment network of your credit card, you may encounter limited card acceptance outside of South Africa. Consider these potential disadvantages when making your decision.

Pitfalls to avoid when using a credit card for entertainment

There are some pitfalls to avoid in order to make the most out of your credit card for entertainment:

• ✅ The most important thing to remember about credit cards is to always pay at least the minimum payment due each month, and ideally the entire balance.
• ✅Paying off your credit card balance in full every month has many benefits. You’ll have a lower credit utilization ratio and won’t have to pay interest on overdue debt. The term “credit utilization” refers to how much of each credit card and the total available credit you are really using.
• ✅ Using too much of your available monthly credit. Experts agree that avoiding utilization rates higher than 30% and, ideally, keeping them below 10%, are both realistic targets. You may count on that to help you earn a high grade
• ✅ Protecting your credit card number, expiration date, and security code is of the utmost importance. In the event that you receive a message, email, or phone contact requesting credit card information, you should not respond.

Consider using a cash-back credit card that will reward you with a reduction on your entertainment subscription payments if you are able to maintain the discipline to pay off your balance in full every month.

Why get a credit card for entertainment

There are several great benefits to owning a credit card for entertainment:

• ✅ Many credit cards provide entertainment-related perks, such as incentives or statement credits for streaming services.
• ✅ Access to exclusive events and purchasing tickets before the general public are possible additional benefits.

There are a variety of cards with entertainment-related bonuses available, so you may select the one that best fits your lifestyle.

In Conclusion

 Now it is your turn to participate:

 Which Credit Card for Entertainment from this list do you intend to test out?

 What was the determining factor in your decision to engage with a certain broker?

 Was it because of the Fees, Interest Rates, or, the Pros and Cons?

 Regardless, please share your thoughts in the comments below.

Frequently Asked Questions

How do entertainment credit cards work?

A credit card for entertainment is one that offers rewards for entertainment that can be accumulated to pay for a range of entertainment costs, including movie nights, movie rentals, and concert tickets.

How many entertainment credit cards should one have?

This is determined by how frequently you utilize entertainment services. If you want elite perks and rewards at multiple places, get more than one entertainment credit card.

What is an entertainment purchase?

Tickets to movie theatres, plays, concerts, athletic events, tourist attractions, theme parks, aquariums, zoos, dance clubs, bowling alleys, pool halls, record stores, and video rental facilities are examples of entertainment purchases.

What is the disadvantage of an entertainment credit card?

Travel cards typically have higher fees than standard credit/debit cards. Loading and refilling pre-paid cards may incur expenses.

What are the three types of credit card rewards?

Credit cards often give one of three types of rewards: cash back, points, or miles.

What is the smartest way to use a credit card that has entertainment rewards?

The more you charge, the more you earn. This does not imply spending more money than you have; rather, it entails using a rewards credit card for spending that you would have done regardless. You can prevent interest costs by paying off your purchases as soon as possible.

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