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African Advantage – Revolving Credit The Smart Alternative to Payday Loans Access funds anytime anywhere at competitive fees across South Africa, with African Advantage - MasterCard. Save time and money with our revolving facility of up to R2500.00 per month, no need to stress and reapply every time you run out of cash as your card will be topped up to your full limit every month. African Advantage is the smarter alternative to payday loans - not only will you enjoy lower fees (including all charges), you will also gain more control over your finance as you will be charged only for what you use in any given month, after all why should you pay for funds you didn’t use? All this and much more with a once off simple application from African Advantage, your trusted credit provider.
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Our fees


Fair and affordable fees

Competitive ATM fees.
Free POS (when swiping your card at merchants and stores).
No monthly or annual card fee. No initiation fees
Competitive transaction based Admin fees.
Credit facility at less then 2% per month.
R60.00 per month service fee.
Card couriered to your doorstep free of charge


How it works


Access funds as you need it

Easy online application.
Card delivered to your door, free of charge.
Access funds from your card as you need it, via ATM or POS.
Get charged only for what you use, No use – No charge.
Your card will be topped up to agreed limit every month, no need to reapply.




Smart alternative to payday loans

Once off application – life time of credit.
Access funds anytime anywhere.
Pay only for what you use, No use – No Charge.
Competitive ATM fees and free POS.
Revolving credit facility at less then 2% per month.
Deposit your own funds into the card (up to R25,000.00 per month), at no extra costs.


Facility Cost and Fees Example

Facility used

*Admin fee
R 100.00

Service fee
R 60.00


R 17.50

Total costs
R 199.90

Please note: Admin fee is a card related fee. In line with our transparency policy and to avoid misleading we included it in the total costs. APR excluding Admin fee is 103.08%, APR including Admin fee is 239.98%. When using your own funds, only Admin fee will be charged. When the card is not used, no charges will be levied.