Updated 08.05.2021

ABSA Flexi Core Credit Card

ABSA is a very well-known Bank in South Africa. They offer a few different types of accounts and cards. Today, we are looking at the ABSA Flexi Core Credit Card.

Key Highlights of the ABSA Flexi Core Credit Card

There are a few key highlights that make this card so great.

  • Credit Limit up to R 90 000.00
  • Minimum payment of 3% on your outstanding balance per month
  • Up to 57 days interest free purchases
  • Lost card protection
  • Contactless payments. This is the tap and pay service which is a great new feature to have as it limits your contact to unknown objects
  • Everyday shopping worldwide and online
  • Swipe at any point of sale machine worldwide
  • 5 million automatic basic cover for international travel

Features and Benefits

Firstly, South Africa can get restaurant deals within South Africa.

ABSA Flexi Core Credit Card Features and Benefits

You have access to Visa Airport dining which is a great benefit to have if you travel a lot for personal or business reasons.

Access to Agoda.com

Get cashback rewards when you use your card to pay internationally or nationally.

NotifyMe: This is a great benefit that some other cards have done away with. You get an SMS of any account activity for added security. This will help to put your mind at ease.

Credit Life Protection is a benefit that is going to put your mind at ease if you have a family. This feature will look after your family by paying your outstanding debt in the event of death, dread disease or permanent disability.

Something that I always enjoy is knowing that there s a fixed monthly payment program. This makes it easier for you to budget your money better as you know at the end of the month, you need a fixed amount to pay for your ABSA Flexi Core Credit Card.

And last but not least, this credit card is going to help you build a credit history. A credit history is needed for you to apply for other loans as well as certain contracts such as a cell phone contract.

Fees and Charges associated with the ABSA Flexi Core Credit Card

In order for you to fully utilize the benefits of this card, it is strongly advised that you pay your card off as quickly as possible. If you have extra money at the end of the month, place it into your credit card so that you do not get charged interest after the 57 days.

Below, are the fees and charges associated with the ABSA Flexi Core Credit Card as of the 5th of September 2020.

  • Monthly Service Fees: R 14.00
  • Initiation fee: R 175.00
  • Monthly facility fee: R 8.50
  • Secondary card monthly fee: R 16.50 per card
  • Card decline fee: R 8.50
  • Overseas ATM fee: R 75.00
  • Garage Card purchase: R 6.50

Other common credit card charges include late payment fees, over-limit fees and others.

Speak to ABSA to find out all the other charges that you might be charged for once you have gotten your ABSA Flexi Core Credit Card.

Application Eligibility for ABSA Flexi Core Credit Card

Now that you know all about this amazing Credit card, it is time to see if you are eligible for the card. You need to have the following in order to qualify for the credit card:

  • Monthly income of R 2 000.00
  • You must be 18 years or older
  • Subject to affordability assessment

How to apply

You need to go into the bank to apply for the Credit Card. You are able to do it on the website but you are going to need to hand in a few documents so it is going to be easier for you to just go in and apply for one. It is also better for you to go to the bank if you have questions that you would like them to answer for you in person.

You are going to need to take with you the following documents:

  • Valid South African ID book or Smart Card
  • Proof of residence
  • The latest proof of income for three consecutive months

Online Application

You can also apply for this Credit Card online. All you need to do is go onto the ABSA website, click on the option for the ABSA Flexi Core Credit Card and apply for the card online.

Alternatively, you can directly click here to start the online application process. You will need to submit the papers above online and then wait to get approval.

Pros and Cons

Overall, this credit card has a few pros and cons that you need to take into consideration before you decide if this is the card for you.


You have 57 days interest free as well as fixed monthly fees which are going to help you budget your money better.

If something should happen to you, ABSA will help your family pay off your debt.

Low monthly payment fees.


Only available for South African citizens.

The Credit limit can only go up to R 90 000.00

Why should you choose this card?

If you are looking for a Credit Card that is going to help you build your credit history as well as give you low interest rates that you have to pay back, then this is the credit card that you want to go for.

Overall Rating

Overall, we give the ABSA Flexi Core Credit Card a 7/10.