TymeBank is a South African digital-only bank that operates through its app, website, and kiosks in Pick’n Pay and Boxer stores, without traditional branches.
In 2022, the bank launched the TymeBank Credit Card in partnership with RCS as a Visa credit card with a simple fee structure.
This guide explains how the card works, what it costs, and how to contact the bank to confirm up-to-date details.
Overview of the TymeBank Credit Card
The TymeBank CreditCard is a standard Visa credit card.
It is issued in partnership with RCS, aimed mainly at middle-income customers who want a digital, low-fee credit product.
It can be used in-store, online, and abroad, anywhere Visa is accepted.
Cardholders can request additional cards for family members and manage their accounts through the TymeBank app and online banking.
What are the benefits of TymeBank?
The bank is known for keeping everyday banking costs low and integrating rewards.
- Low-cost everyday banking: The EveryDay Account has no monthly account fee and uses a pay-as-you-use model for many transactions, which helps keep overall banking costs down.
- Smart Shopper rewards: TymeBank cards earn Pick n Pay Smart Shopper points everywhere you shop, with double points when you swipe your Smart Shopper card and pay with your TymeBank card at Pick n Pay.
- Digital convenience: You open and manage accounts via the app or online, and use self-service kiosks in Pick’n Pay and Boxer stores instead of branches.
- Goal-based savings: The GoalSave feature can offer competitive savings rates, which increase when you leave your money invested for longer periods, according to the bank’s published tables.
Together, these benefits make the card attractive to customers who pay off their balance every month and want integrated rewards.
TymeBank credit card limit in South Africa and main costs
Credit card limit in South Africa typically starts from around R1 000, with maximum limits up to about R50 000.
The final limit depends on your income, credit score, and the affordability assessment done by RCS on behalf of TymeBank.
This means your individual limit is not guaranteed and may be lower than the maximum.
Key costs mentioned in independent reviews and earlier price lists include:
- APR/interest rate: Around 18% per year on unpaid balances, subject to National Credit Act caps and any product updates.
- Monthly service fee: Often in the region of R40–R60 per month for the credit facility.
- Once-off initiation fee: Previously about R160 when the account is opened.
- Cash withdrawals and international fees: Extra charges and immediate interest on cash transactions, plus currency conversion fees on foreign-currency card use.
Because these figures can change, always obtain the latest CreditCard pricing schedule from TymeBank’s website or request it via customer care.
TymeBank credit card for blacklisted – what you need to know
TymeBank must follow South Africa’s National Credit Act, which requires proper credit-bureau checks and affordability assessments for applicants.
Some blogs and unofficial sites claim you can get the card “even if you are blacklisted” or “with only an ID and cellphone number”.
These statements do not match TymeBank’s own published requirements, which include minimum income, South African ID, proof of residence and proof of earnings.
If you are currently blacklisted, under debt review or have serious unpaid defaults, your chances of approval are much lower.
In practice
TymeBank and RCS will look at your updated credit record and income; if those have improved and adverse listings have been resolved, you may qualify in the future.
There is no special TymeBank product guaranteed “for blacklisted” customers.
If you have had credit problems in the past, it is safer to first pull your credit report, fix errors, and pay down outstanding debts.
TymeBank credit card on app – how the application normally works
When the card is available, the process, often described by TymeBank and comparison sites, is fully digital and can be started from your phone.
Check product availability
Visit TymeBank’s website or contact customer care to confirm whether new credit card applications are currently open.
Start in the TymeBank app or online
Log in to your TymeBank app (Android or iOS) or follow the credit-card application link from the official site.
Fill in your personal and financial details
Provide your South African ID number, contact details, employment status, monthly income and expenses.
This information is used for the affordability check required by law.
Upload supporting documents
Upload or submit clear copies of your ID, recent payslip or 3 months’ bank statements, and proof of residence not older than 3 months.
Credit assessment and decision
TymeBank and RCS check your credit history with the bureaus and verify your documents.
Public reports mention decisions usually within a few days, sometimes within 24–48 hours.
Delivery and activation
If approved, your TymeBank CreditCard is normally delivered by courier.
You then activate it using the instructions sent via SMS, email or in-app and set your PIN.
Because product availability has changed over time, treat any “apply now” button on third-party sites with care and always cross-check with TymeBank directly.
TymeBank contact details and head office address
Before you apply or if you need help with an existing credit card, use TymeBank’s official customer-care channels.
Customer care phone (South Africa): 0860 999 119
Lost or stolen cards: 0860 999 118
Email (general service): service@tymebank.co.za
Head office address
TymeBank
2nd Floor, 30 Jellicoe Avenue
Rosebank, Johannesburg, 2196
South Africa
Conclusion
The TymeBank Credit Card was launched as a simple, digital Visa credit card with a flat interest rate of around 18%, up to 55 days’ interest-free.
Public information suggests monthly service fees and other charges that remain competitive in the South African market.
If you are interested in this card, follow the official TymeBank credit card how to apply process via the app or website when it is open again.
Disclaimer: This article is for general information and education only. It is not financial advice, a recommendation to apply for any product, or an official communication from TymeBank or RCS. All details about features, interest rates, fees, limits and availability are based on publicly available information at the time of writing and may change without notice; you must verify all information directly with TymeBank before making any financial decision.
