InfinitePay offers an online credit card for South Africans looking for immediate activation. With approval happening within minutes and entirely online, users can access a virtual card right away, without waiting for physical delivery. There is no annual fee to worry about, and every credit purchase earns a rewarding 1.5% cashback automatically. The physical card is optional, giving you even more flexibility.

How to Apply: Quick Step-by-Step

Open the InfinitePay app and tap on “Cards”. Select the option to create a free virtual card, name your card for easy management, and set up a four-digit PIN. Within minutes, your virtual card will be active and ready for online or in-store wallet payments. No paperwork or manual income checks are required.

Key Pros

One major advantage is instant approval with no credit checks, making this card accessible even if you have past financial difficulties. The cashback rate of 1.5% on all credit purchases is impressive, offering consistent value every month. Management is simple through the app, which offers complete control and real-time reporting on spending.

Some Cons

While there are many benefits, the credit limit is based on the available account balance, rather than a pre-approved credit limit. For some users, this can feel restrictive if you want more flexibility without making an upfront deposit. Additionally, the card is most useful for those already comfortable with digital banking apps and online spending.

Our Verdict

InfinitePay’s credit card offer stands out for quick access, no annual fees, and generous cashback rewards, making it a strong choice for anyone seeking efficiency and transparency in their credit line. The ease of setup and comprehensive app make it attractive, especially for those needing credit approval without bureaucracy. However, if you require a card with a high unsecured limit, you might want to weigh if the balance-linked credit fits your needs.