Improvements in technology have made it easier for the banking industry to provide simple and quality banking solutions to customers. Various financial institutions have also adjusted to better technology, making it easier to provide financial services.

Applying for a credit card in the past often meant that you had to visit the bank and negotiate reasons for why you should qualify. Fortunately nowadays applying for credit cards is as simple as clicking a mouse and accessing a website.

Various credit card providers have online applications for credit cards.

MasterCard

MasterCard is a leading financial services provider that offers flexible spending power and worldwide acceptance.

MasterCard credit cards online are offered as Standard, Gold, Platinum, World and World Elite.

The Standard credit card is ideal for those who are starting out or establishing credit. The Gold credit card is ideal for those seeking spending power and benefits.

Virgin

Applying for a Virgin credit card is as simple as visiting www.virginmoneycard.co.za

The credit card comes with up to 55 days’ interest-free credit, no swiping charges and free automatic lost card insurance. There is free face-to-face delivery and there are no monthly or annual service fees.

What do you need to qualify?

  • Be at least 18 years of age
  • Earn a minimum salary of at least R5000 per month
  • Be a South African resident
  • Have a valid South African ID
  • Have an active bank account

Absa

Absa bank offers Platinum, Gold, Transact, Affinity, Student credit cards as well as a Garage Card.

Applying for these credit cards online is simple. You need to provide the following documents:

  • Valid South African ID or passport and work permit
  • Proof of income
  • If you are self-employed you need to provide a letter from your accountant or financial manager confirming your income.