Get Credit

Credit for multiple income earners

Did you know that you could get credit if you don’t earn a fixed salary? If you are self-employed or have multiple sources of income every month, you could get a credit card and/or access facility of up to R500 000 for your personal use.

For credit to grow your business, please see our business services.

Who can apply?

You need to earn R10 000 or more.

How to apply

To see how much you could qualify for:

  • Call 0860 66 77 89
  • Visit a branch

Documents required

See which documents you will need to supply based on your income type:

Income Type


Documents Required

Rental income

You rent out property and receive rental income.

  • 6 months’ bank statements
  • Current lease agreement/s

Spousal maintenance

You get monthly income from your spouse after a divorce or separation.

  • 3 months’ bank statements
  • Court document showing the amount to be paid 

Allowance income

You get a regular income from a benefactor.

  • 3 months’ bank statements reflecting the allowance payments
  • Please note that as part of the application your benefactor will be asked to confirm source of payment 


Interest earners

You have investment or savings portfolios and receive regular payouts into your main transactional account.

  • 3 months’ bank statements
  • Investment statement

Commission or freelance earner

You only get paid based on the work you performed.

  • 6 months’ bank statements
  • Further documentation to be confirmed, but could include commission payslips or employment contract or invoice

Business Owners

You earn an income from profits generated by your own registered or informal business.


  • 6 months’ bank statements
  • Further documentation to be confirmed depending on the nature of your business

Salary Earners

You earn an income from permanent or contract employment

  • 3 months bank statements
  • Latest payslip