TymeBank launched its credit card to provide customers with a simple, accessible, and digital way to access credit.
This article explains how to obtain it via kiosks or the app, the requirements, costs, interest rates, and key factors to consider before applying.
What is the TymeBank Credit Card?
The TymeBank Credit Card is a Visa card offered by TymeBank in partnership with RCS, a registered credit provider.
It allows purchases in physical and online stores, tap-and-go payments, and access to credit with a grace period.
Additionally, purchases with the card can earn Smart Shopper points, especially when used in stores like Pick'n Pay.
Requirements to Apply
To be eligible for the TymeBank Credit Card, applicants must be South African citizens and present a valid ID (ID or driver's license).
Having a minimum monthly income of R 3,000 or more is non-negotiable.
Having a South African bank account linked for payment debits is essential for paid management.
When applying, documents such as the latest payslip or bank statements, and proof of address may be required.
Tymebank Credit Card Application via Kiosk
TymeBank has a network of over 1,000 kiosks located in stores like Pick n Pay, Boxer, and TFG.
Go to a kiosk with your South African ID, fingerprint, and a mobile number.
Complete the required details. The kiosk will print your Visa card — for debit accounts, it’s immediate.
For credit cards, the card will be mailed to you. This method is ideal for those who prefer to pick up the card in person without waiting for mail delivery.
How to Get a Tymebank Credit Card via App or Online
For those who prefer a digital process, TymeBank offers an online platform or its official app (available for Android and iOS).
The Tymebank credit card application online is usually fast.
Complete the form with personal details, ID, income, and contact information. If approved, the card will be sent by mail at no cost.
This method is convenient for those who don’t live near a kiosk or prefer to manage everything remotely.
Costs, Interest Rates, and Benefits
The TymeBank Credit Card offers competitive terms compared to many traditional cards.
- Annual Percentage Rate (APR): 18%. This rate applies only if the balance is not paid within the grace period.
- Grace period: Up to 55 days if the full balance is paid on time each month.
- Fees: An initiation fee of R160 and a monthly fee of R60.
- Benefits: International use (Visa), online and in-store purchases, tap-and-go, and Smart Shopper point accumulation.
Free first-time card delivery.
It’s important to note that, like with any credit card, interest and additional fees apply if payments are not made on time.
Things to Consider Before Applying
While TymeBank emphasises ease, approval depends on an evaluation of income, credit history, and financial profile.
If the balance is not paid in full during the grace period, the 18% interest rate and possible additional fees will apply.
The cards offer secure online shopping: the physical card comes with a virtual version that can be used for online purchases without exposing the actual card details.
You need to manage your spending carefully and ensure timely payments to enjoy the benefits of the grace period.
Pros and Cons
Here is a Pros / Cons table for the TymeBank Credit Card.
| Pros | Cons |
|---|---|
| Low-cost structure — modest monthly/account fees make the card relatively affordable compared with many traditional credit cards. | Limited credit limit — the maximum credit limit may remain modest (e.g., up to about R 50 000), which might not suit high spenders or those needing large credit lines. |
| Interest‑free grace period — purchases can be interest‑free for up to 55 days if the full balance is paid on time monthly. | Penalties if not paid on time — late payments or carrying balance past grace period triggers interest and possibly other fees. |
| Global acceptance (Visa) — as a Visa‑backed card, it can be used internationally, online and offline. | Relatively weak rewards program — rewards (e.g. points via Smart Shopper) exist but are limited compared to premium credit cards; few extra perks beyond basic rewards. |
| Simple, largely digital application & banking model — application via kiosk or online, and the bank operates as a digital-first institution, making processes straightforward and accessible. | Limited physical support / branch network — as a digital‑first bank with kiosks rather than full branches, in-person support is limited, which may frustrate users needing face‑to‑face service. |
| Flexibility and transparency — set repayment options (full balance, minimum payment, or budget plans), with clear fees and repayment terms. | Fewer advanced card features — unlike many premium cards, it lacks benefits like travel insurance, extensive travel perks, or robust cashback/bonus programs. |
| Opportunity to build or establish credit (for those with lower income or first credit card) — lower income requirement and easier eligibility compared with many traditional cards. | May not suit high-income or high-expenditure users — given the credit limit cap and modest perks, it might be too basic for users who need premium‑level benefits or high spending capacity. |
Contact, Support, and Advice
For additional assistance, TymeBank typically provides customer service via its app, website, and support phones. The support number is 0860 999 119.
However, TymeBank operates mainly as a digital bank, with kiosks and online platforms as its primary means of service.
Note: No generic physical address for TymeBank’s head office is publicly available, as the bank promotes its digital and kiosk networks as the main customer service channels.
Conclusion
The TymeBank Credit Card offers a modern, accessible solution for those looking for a simple credit card with clear benefits and low cost.
The added benefits — international Visa usage, online shopping, tap-and-go, and Smart Shopper points — make it an attractive option.
If you reside outside South Africa, check if the card supports international shipping or usage abroad.
Disclaimer: The information contained in this article is based on publicly available data from TymeBank as of 2025. Terms, interest rates, fees, and policies may change. It’s recommended to check the latest version on the official TymeBank website before applying.
