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Say goodbye to struggling with finding your wallet, credit card details, and all the other hassles of traditional credit cards. Shop knowing you can check out quickly and securely with Mobicred.
Shop online at over 55,000 stores, as well as in-store at selected retailers.
When you get a Mobicred account, you enjoy the following:
*Ts and Cs apply.
Click here to complete your one-time application. Ts and Cs apply. NCRCP 38/FSP 44481.
Pay with your Mobicred account online and use the App to pay in-store.
Answers to questions you may have about applying for a Mobicred account.
Get your free monthly credit dashboard.
Mobicred is 100% digital. From your application to shopping and account management.
With a Mobicred account, you’re not required to pay off your balance within a set time frame.
As long as As long as you’re making your required minimum payment, you can decide how long you need to settle your balance. You can also settle
your balance early via additional EFT payments (good for you!).
Shop at SA’s biggest online & in-store brands, including takelot.com, Superbalist, Makro, Cape Union Mart, iStore, and more.
You can use your account as often as you want, provided there is sufficient credit available. So next time you’re shopping online,
The password reset is done via the Mobicred website on the login details page. You will receive a temporary password via email, you will need to click on the “Submit” tab when doing a password change.
Please ensure that you complete the application via the Mobicred website making sure the browser you are using is Google Chrome.
Please ensure that your application is activated before making any purchases.
These queries are dealt with by the retailer/online store where the purchase was made.
All additional payments take 24 to 48 hours to reflect on your account.
Once the retailer processes the refund, the funds will reflect on your Mobicred account immediately.
The statements are sent from a no reply email address and sometimes land in spam or junk mail folders.
You can apply by clicking on the “Apply Now” link on this page, or download the Mobicred app and tap “Open an account”.
While everyone’s application is unique based on their credit history, affordability criteria and other factors; here’s the basics you need to have to apply:
Yes, approval of your application is subject to Mobicred’s credit risk and affordability criteria, and in accordance with the National Credit Act’s “Responsible Lending” principles. If, for whatever reason, your application is declined, Mobicred will inform you as to the main reasons for it being declined.
The interest rate charged per annum will never exceed the maximum interest rate permissible by the National Credit Act.
The interest rate on your account is an annual variable rate linked to the repo rate and will change in accordance with changes made by the South African Reserve Bank.
This means that when the REPO rate decreases or increases, the interest rate on your account will also decrease or increase by the same amount.
This is a once-off fee for the opening of your Mobicred account.
This is a monthly fee for the ongoing administration and maintenance of your Mobicred account, including statements.
Payment on the Mobicred account is via monthly debit order. Monthly instalments are reflected on the Mobicred statement.
Your statement will be sent to you monthly via email.
Mobicred has support staff ready to help you if you need assistance with your application or any account related query.
Phone: 021 126 0700
WhatsApp: 060 762 8284
T’s and C’s apply.
Mobicred is powered by RCS Cards, a registered Credit and authorised Financial Services provider. NCRCP 38/FSP 44481.