Change your story with an Absa Credit Card

Benefits

Get up to 55 days' interest-free credit
Access exclusive worldwide Visa benefits, including global customer assistance
Get 0.5% cashback rewards when you swipe or buy online
Get up to 40% discount offerings from our alliance partners
Minimum monthly repayment of only 5% of the total spent balance
Access to 60% cash from credit limit from any Visa ATM

Requirements

Annual fee: GHS150
Minimum income requirement: GHS5,000
Late payment fee of 10% or GHS20 (whichever is higher)
Scheme mark-up fee of 7% per transaction
Card replacement fee of GHS50

Documents required
Absa account holders (salaried customers)

National ID card (or passport for non-Ghanaians)

Latest payslip

Completed application form

Absa account holders (non-salary customers)

National ID card (or passport for non-Ghanaians)

Completed application form

New-to-bank customers

1 month account balance

Completed application form

Existing customers

National ID card

6 months' banking relationship with Absa to qualify

Completed application form

Non-resident requirements

Attach the following documents:

Passport picture

National ID

Copy of the biodata page of your passport

Proof of residence in the form of: recent utility bill, social security number, driver’s licence

Evidence of employment status in the form of a bank statement or credit card statement

TIN (applicants residing in the US)

Documents must be certified by a notary public, or at an Absa branch or Absa subsidiary

Right of abode

Credit card tips

Choose wisely

Choose a card that matches your lifestyle and that offers rewards with benefits you’ll actually use. Take advantage of your spending. Be smart and master the art of credit card rewards.

Know your limits

Make sure you know your credit limit and spend your credit wisely and within the limit. Credit cards don’t provide you with free money.

Build a good credit record

To start building your credit record or improve it, you need to stay in the loop with respect to your credit worthiness, and understand your credit score and credit report. Be aware of the interest rate connected to your card. Choose low monthly and annual interest rates when you can.