A TymeBank credit card gives you simple digital banking, clear pricing and access to everyday credit. You manage the account in the TymeBank app and online, so you avoid queues and branch paperwork.
You can shop locally and internationally wherever Visa is accepted. You also earn selected partner rewards when you spend. This article explains the features, costs, requirements and steps to apply.
TymeBank Credit Card Features And Benefits
Before you apply, you should understand how the TymeBank credit card fits into your daily spending and money management.
It is a Visa credit card that connects to your TymeBank profile and banking app. You can use it for purchases in store, online and overseas.
The card also links to Pick n Pay Smart Shopper for rewards. Below are the features and benefits to consider.
Everyday Spending And Digital Convenience
The TymeBank credit card can be used at local shops, online stores and international merchants that accept Visa.
You get tap to pay functionality for fast purchases at the till. The TymeBank app shows your available limit and latest transactions.
You can block or unblock the card from your phone if it is misplaced. This combination of access and control works well for new users.
Rewards And Partner Benefits
The TymeBank credit card links directly with Pick n Pay Smart Shopper rewards. You earn points on qualifying purchases, with double points when you pay at Pick n Pay and selected BP stations.
Points load automatically to your Smart Shopper profile. You do not need to manage extra loyalty cards or vouchers. This setup turns everyday spending into savings you can redeem later.
Security Features And Extra Cards
Security features on the TymeBank credit card are built for digital first customers. You receive free SMS notifications for transactions, which makes it easier to spot anything unusual.
The app lets you change card settings or block it if needed. You can also request up to three additional cards for family members on the same account. This keeps household spending visible in one place.
Interest Rates, Fees And Other Charges
Understanding the cost of a TymeBank credit card is important before you start using it.
The bank keeps pricing simple with a clear monthly fee and published transaction charges.
Interest is only charged when you carry a balance from month to month. There are once off fees and specific charges for cash services. Knowing these amounts upfront helps you budget and avoid surprises.
Interest Rate And Interest Free Period
TymeBank charges about eighteen percent yearly interest on unpaid TymeBank credit card balances.
You get up to fifty five days interest free when you repay in full. This benefit applies to qualifying purchases that appear on your monthly statement.
If you pay only the minimum amount, normal interest is added. Planning to clear your balance each month keeps borrowing costs low and predictable.
Monthly Fees And Initiation Costs
When your TymeBank credit card account opens, you pay an initiation fee of about R160. After that, a fixed monthly service fee of about R60 applies.
TymeBank does not charge extra fees for normal in store or online card purchases. This simple fee structure makes it easier to see the real cost. Interest charges and any optional credit insurance remain separate from these basic fees.
Cash Withdrawals And Other Transaction Fees
Using your TymeBank credit card for cash withdrawals carries extra fees. ATM withdrawals are charged per R1 000, so frequent withdrawals become costly. In store cash withdrawals at selected retailers usually have a smaller fee.
These costs add up if you treat the card as your main cash source. Where possible, use your bank account for cash and keep the credit card for purchases.
Requirements And Preparation Before You Apply
Before you complete an application, you should make sure you meet the basic TymeBank credit card requirements.
This step saves time and avoids a decline that could affect your credit record. The bank focuses on responsible lending and checks your income and existing debt.
You also need to provide accurate personal details and banking information. Preparing the right documents upfront makes the digital process smoother.
Age, Income And Employment Criteria
To qualify for a TymeBank credit card you must be at least eighteen years old. You also need to be employed and earn a regular monthly income of about R3 000. This income requirement helps ensure you can afford your repayments.
The bank may review payslips or bank statements to confirm your earnings. Meeting these criteria is the first step toward a successful application.
Identification And Banking Details
A TymeBank credit card application requires valid South African identification documents. You can use a green ID book, smart ID card or a drivers license. You also need an existing South African bank account where your salary is paid.
The bank uses these details to confirm your identity and income. Keeping clear copies of these documents ready helps the online application move faster.
Credit Record And Affordability Checks
TymeBank reviews your credit history and affordability before approving a TymeBank credit card. They consider existing loans, store accounts and other credit facilities in your name.
A clean record with low outstanding balances improves your chances of approval. If your score is weak, start paying down smaller debts consistently every month.
Showing reliable repayment behaviour can support future applications and better credit limits.
How To Apply For The TymeBank Credit Card
Once you know you qualify, the next step is to complete the TymeBank credit card application.
Because TymeBank is a digital bank, the process is designed to work mainly online and through the app.
You do not need to visit branches to get started. Applications are completed in a few guided steps on screen. Having your documents ready will make this stage quick and simple.
Applying Through The TymeBank App Or Website
The easiest way to apply for a TymeBank credit card is through the app or website. You log in with your profile, confirm your details and choose the card option.
The form asks about your income, employer and regular monthly expenses. You may need to upload recent bank statements or payslips as documents. After submission, TymeBank reviews everything and sends you an approval or decline.
Using Retail Kiosks For Assistance
You can also start a TymeBank credit card application at in store kiosks. Selected Pick n Pay and Boxer stores have kiosks that support TymeBank customers. Staff help you create a profile, scan your ID and capture your information.
Once approved, your credit card account is linked to the TymeBank app. This option is helpful if you are new to online banking and want guidance.
Receiving And Activating Your Card
If your TymeBank credit card application is approved, your first card is delivered by courier. When it arrives, you follow the app or welcome pack instructions to activate it.
This step includes confirming receipt and setting a secure identification number. You should then sign the card on the back and store it safely. After activation, the card is ready for use wherever Visa is accepted.
Customer Service Hotlines And Head Office Location
For questions about your TymeBank credit card, call the Customer Service Centre on 0860 999 119. Consultants assist with transaction queries, card limits, statements and app issues. If your card is lost or stolen, phone immediately so they can block it.
Quick action reduces the risk of fraudulent purchases on your account. Save the helpline number in your contacts so it is ready during emergencies.
Head Office Location
TymeBank has its head office at 30 Jellicoe Avenue in Rosebank, Johannesburg, South Africa. This address is the bank’s registered business location and houses central teams. You do not visit the head office to manage a TymeBank credit card.
However, knowing the official address is useful when forms ask for bank details. You can confirm the latest address on recent bank documents or official statements.
Conclusion
A TymeBank credit card can be a practical tool for digital banking and rewards. When you know the interest, fees and cash costs, you avoid surprises. Preparing documents and applying online keeps the process quick for new users.
Saving customer care numbers and head office details gives support when problems arise. With disciplined repayments, the card can support your cash flow and credit record.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
