Apply for the Absa Flexi Core Credit Card in 5 Steps

Build Your Credit History and Earn Rewards

Looking to establish a strong credit history? The Absa Flexi Core Credit Card is the perfect place to start. 

Designed for first-time credit card holders, for a R49 monthly fee, this card offers a variety of benefits to help you build a positive credit profile while earning rewards.

The Absa Flexi Core Credit Card goes beyond the basics, providing features that make it a standout choice. 

Earn cash back rewards through Absa’s loyalty program and get rewarded for your smart banking habits with Absa Advantage. 

Enjoy the flexibility to make larger purchases with a credit limit of up to R90,000.

The Flexi Core Credit Card avoids hidden charges with no transaction fees on purchases. Plus, budgeting is a breeze with fixed monthly payments and the option to make extra payments to settle your balance faster. 

The Absa Banking App puts you in complete control. Stop or replace a lost card, report fraud, manage spending limits, and more – all conveniently from your phone. 

Alternatively, Absa Online Banking allows you to manage your account securely from any device, 24/7.

Enjoy automatic basic travel insurance for unexpected situations during your travels. 

The Flexi Core Credit Card also provides free lost card protection, so you’re covered in case your card is lost or stolen. Just remember to report it immediately.

Qualifying criteria and requirements

To apply for the Absa Flexi Core Credit Card, you’ll need to meet the following criteria:

• Minimum monthly income: R2 000
• Age: 18 years or older
• Documentation:
  • Valid South African ID book or Smart card
  • Proof of residence
  • Latest proof of income for three consecutive months
• Affordability assessment: all applications are subject to an affordability assessment by Absa to ensure responsible borrowing.

Absa Bank Flexi Core 5-step application process

Applying for your Absa Flexi Core Credit Card is a breeze. The process can be completed online in just five simple steps.

First, click on the “Apply Now” button to begin your application.  For security purposes, you’ll then be prompted to enter the characters displayed on the Online Account Application page.

Next, proceed through the six-step online assessment.  Don’t worry if you need to take a break!  The application allows you to save your progress and return later to complete it, or you can choose to continue through each stage at your own pace.

Once you’ve finished answering the questions in the assessment, simply click “Apply” to submit your application for review by Absa. They will then assess your application and notify you of their decision.

Remember that, even if you meet the qualifying criteria, approval is not guaranteed. Absa will conduct an affordability assessment to ensure you can manage the credit limit responsibly.

Manage your credit card effectively

Using you Flexi Core credit card responsibly can be a powerful tool for building a strong financial foundation. Here are some key strategies avoid debt:

• Track your expenses and identify areas where you can cut back. Create a monthly budget that details your income and expenses to stay on track.
• Focus on paying off your credit card balance as much as possible each month. Ideally, aim to pay your balance in full to avoid interest charges.
• A well-defined budget is crucial for responsible credit card use. Allocate funds for your needs and wants while leaving room for credit card payments. Sticking to your budget can significantly reduce your debt.

If you’re struggling to manage your credit card debt, Absa offers support:

• Debt management guidance: contact Absa directly, and they can assist you with personalized strategies for effective debt management.
• Debt counselor services: Absa offers professional help from a debt counselor. A counselor can negotiate with your creditors on your behalf to potentially secure lower interest rates and reduced monthly installments.

Interested in exploring other options?

Consider the African Bank Card! How about enjoying 62 days of interest-free purchases and a credit limit of up to R350,000? Take a look!

Written by

Ellen Queiroz (Redatora)