Below is an overview of how the TymeBank Credit Card works, what it costs, how to apply online, and where to contact the bank for help. As a digital-only bank, it lets you start and complete most of the application online or in its app.
The card is a Visa product aimed mainly at middle-income customers who prefer low, predictable fees and digital banking tools.
What is the TymeBank Credit Card?
The TymeBank Credit Card is an internationally accepted Visa credit card, issued by Tyme Bank Limited in partnership with RCS.
It is designed as a digital-first product. You manage it through the TymeBank app, online banking, and kiosks in Pick’n Pay and Boxer stores.
The card targets customers who earn a regular income and want a simple fee structure and built-in loyalty rewards rather than a complex premium product.
At launch, TymeBank positioned the credit card for middle-income users who value low fees and transparent pricing.
Key Features and Everyday Benefits
Several core features make the TymeBank Credit Card attractive compared to traditional entry-level cards.
- Visa acceptance worldwide: The card can be used for in-store and online payments anywhere Visa is accepted, both in South Africa and abroad.
- Up to 55 days’ interest-free: If you pay your full outstanding balance by the due date every month, TymeBank offers up to 55 days of interest-free credit on qualifying purchases.
- Smart Shopper rewards: Cardholders can earn Pick n Pay Smart Shopper points on every purchase and earn extra points when paying at Pick n Pay and some fuel partners, such as BP.
- Extra cards for family: Customers can request additional cards for family members linked to the same account.
- Digital security tools: Free SMS transaction alerts and app notifications help you monitor spending and detect suspicious activity quickly.
These features are combined with TymeBank’s broader digital ecosystem, such as its GoalSave savings product and low-fee everyday banking.
Interest Rate and Main Fees
The bank indicated that all customers were charged an interest rate of 18% per year, applied only if monthly purchases were not settled in full.
This rate was positioned as competitive against many South African credit cards that charge closer to the maximum allowed under the National Credit Act.
A once-off fee of around R160 is applied when the account is opened.
At launch, TymeBank communicated a monthly fee of about R60, while later documents show a fee in the region of R40–R43.
Transaction and other charges
ATM cash withdrawal costs approximately R8 per R1 000 locally, while at participating retail tills, around R2–R3 per R1 000.
ATM balance enquiry is roughly R6 locally.
International card purchases add around 2% of the rand value of each transaction.
Who Can Apply?
Based on TymeBank’s communication and media coverage, the typical eligibility requirements.
Being employed with a regular income earning at least R3 000 per month (or more, depending on updated criteria).
Having a valid South African ID or driver’s licence, along with a South African bank account for debit orders and repayments.
One of the main selling points of the TymeBank Credit Card is that you can apply fully online without visiting a traditional branch.
Via the TymeBank credit card application site
Go to the official application site (for example, tymecard.co.za or the credit-card link from the main TymeBank website).
Enter your South African ID number so the system can verify your identity and fetch your profile.
Complete the online form with employment, income, and contact details. Upload or authorise access to your bank statements.
Via the TymeBank mobile app
Download the TymeBank app from your app store. Log in with your existing TymeBank profile or register if you are a new customer.
Navigate to the Credit Card section and follow the prompts to apply.
Once approved, you can manage your card and view transactions directly in the app.
With help at a TymeBank kiosk
Visit a TymeBank kiosk in participating Pick’n Pay or Boxer stores.
A TymeBank ambassador can guide you through starting the online application and explain what documents you need.
If your application is approved, TymeBank arranges free courier delivery of your physical card, which you then activate.
Contact Details: Phone, Email and Address
If you have questions about your application or an existing TymeBank Credit Card, you can contact the bank using the details below.
Customer Service Centre (general queries and card support)
Phone (South Africa): 0860 999 119
Email: service@tymebank.co.za
Lost or stolen card
Phone (South Africa): 0860 999 118
International customer care
Example international number commonly listed: +27 11 327 6244
Registered physical address
TymeBank
Floor 2
30 Jellicoe Avenue
Rosebank, Johannesburg, 2196
South Africa
Because contact details can change, it is best to confirm these numbers and the address on TymeBank’s official website.
Pros and Cons to Consider
Advantages
- Straightforward, transparent fee structure with competitive, predetermined fees compared to many entry-level cards.
- Up to 55 days interest-free on purchases if you pay the full balance on time.
- Strong integration with Pick’n Pay Smart Shopper, including extra points on certain purchases.
- Digital-first design: quick online application, app-based management, and no traditional branch visits.
Disadvantages
- Fewer “premium” perks, such as airport lounge access and extensive travel rewards, compared with high-end cards from major banks.
- Some customers and reviewers have reported mixed experiences with customer-service response times.
- Like any credit card, it can become expensive if you consistently carry a large balance or use it heavily for cash withdrawals.
Conclusion
The TymeBank Credit Card is a strong option if you want a simple, digital credit card that you can apply for online in a few minutes.
Used responsibly, it can be a convenient tool for everyday payments and rewards without overwhelming costs.
Before submitting your application, always check the latest interest rates, monthly fees and terms directly with TymeBank.
Disclaimer: This article is for information purposes only and is based on publicly available information about the TymeBank Credit Card as of December 2025. Fees, interest rates, eligibility criteria, features, contact details and application processes can change at any time, and the final terms of your credit agreement will be set by TymeBank and its credit provider partners. Always consult the official TymeBank website, app, or a licensed financial adviser before making any financial decision or signing a credit agreement.
