Credit Cards

TymeBank Credit Card review

Looking to expand your financial capabilities? We review the features, benefits, and drawbacks of the TymeBank Credit Card so you can make the best decision for your needs.


TymeBank Credit Card: Earn Smart Shopper points when you swipe your card!

TymeBank Credit card
TymeBank has an excellent solution for your financial management. Source: The Post New.

Are you looking to take your finances to the next level? Then check out the TymeBank Credit Card – the revolutionary new way to shop smarter and save more!

TymeBank Credit card

How to apply for TymeBank Credit Card?

Learn the ins and outs of the TymeBank Credit Card application process in our simple step-by-step guide and unlock your financial freedom!

  • Requirements: Be a South African citizen of 18 years or older and have a monthly salary of R3,000 or more.
  • Initiation Fee: A one-off R160.00. 
  • Monthly Fee: R40.00.
  • Other fees: Late payment fee up to R100.00, 2% overseas purchase fee, R6,00 ATM balance inquiry, R8,00 ATM cash withdrawal per R1,000. 
  • Rewards: Earn Smart Shopper points on every purchase, and 4x Smart Shopper points in Pick n Pay when you’re a TymeBank customer. 

This is a fantastic entry-level card for people who are looking to improve their credit record.

You can shop anywhere in South Africa and in the world where merchants accept Visa, and earn points whenever you swipe your card. 

You’ll have access to flexibility and convenience, with a budget facility for big purchases, and 55 interest-free days when you pay your balance on time!

Whether you want to make purchases online, keep track of expenses or build up your credit score – this card does it all!

Keep reading for our review of the TymeBank Credit Card and find out why it might be perfect for meeting your financial needs.

TymeBank Credit Card: how does it work?

The TymeBank Credit Card is a great way to get the most out of your money. This card provides you with the convenience and flexibility you need while giving you access to exclusive rewards and benefits.

You can use the card anywhere in the world where Visa is accepted (with a 2% overseas fee), and all transactions are securely processed through TymeBank’s secure systems.

You’ll also earn Smart Shopper points on purchases and 4x Smart Shopper points in Pick n Pay.

The TymeBank Credit Card is also a great way to improve your credit record. By good management and on time payments, you’ll see your credit increase in no time!

And with Tyme’s budget facility, you can pay big purchases in monthly installments. 

Significant benefits and disadvantages you may find

TymeBank Credit card
Get the flexibility you need. Source: Freepik.

The TymeBank Credit Card offers incredible security features and perks for people who are looking for rewards and credit building tools. But is it really the best card for your needs? Check the high and lowlights below.


  • Flexible payment options to fit your needs and budget;
  • Credit building features to help you improve your credit record;
  • Smart Shopper Points every time you swipe your card;
  • Up to 55 days interest-free when you pay your full balance on time;
  • Built-in security features and  Credit Card protection plan available.


  • No interest rate disclosures;
  • Rewards are very limited.

Is a good credit score required for applicants?

The TymeBank Credit Card is a helpful credit-building tool, so you don’t need a high credit record to apply for it.

You do need to meet other requirements such as monthly income of at least R3,000, be over the age of 18, and a South African citizen. 

Learn how to apply and get a TymeBank Credit Card

Getting a TymeBank Credit Card is easier than you think! All you need to do is fill out the application form and submit it to start your TymeBank journey.

Check the following link to learn the application details and what to expect from the process.

TymeBank Credit card

How to apply for TymeBank Credit Card?

Learn the ins and outs of the TymeBank Credit Card application process in our simple step-by-step guide and unlock your financial freedom!

About the author

Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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