Absa Flexi Core Credit Card Review 2022

Absa Flexi Core Credit Card is a first-tier credit card from Absa Bank offering a convenient everyday credit facility. The account is suitable for individuals that want to increase their credit score or for first-time credit cardholders. A Flexi Core credit card can be used anywhere around the world to make purchases, transfers, or withdraw money. 

The Flexi Core credit card comes with travel insurance for a range of travel emergencies. You can travel knowing that you are covered if anything happens to you while you are on the road. The credit card has credit life protection that ensures that your family doesn’t have to bear your outstanding credit in the event of death, dread disease, or permanent disability. 
The account comes with free benefits such as access to the Absa digital platforms, credit card purchases, funds transfers online, internal and external debit orders, and digital balance enquiries. 

Summary of the Absa Flexi Core Credit Card

The Absa Flexi Core Credit Card is a credit card from Absa that charges a monthly account fee of R14.00. The account comes with a monthly credit facility fee of R30.00 and requires a minimum monthly payment of 5% of the total outstanding debt. The minimum income requirement for the Flexi Core Credit Card is R 2000 per month. 
Whenever clients purchase an international plane ticket using the Flexi Core Credit Card, they get an automatic basic insurance cover of R1,500,000.00. Clients can swipe their Flexi Core Credit Cards anywhere around the world with the option of earning cashback through the Absa Rewards program. 
Purchases on the credit card are interest-free for up to 57 days. The maximum credit that one can get from the Flexi Core Credit Card is R90,000.00. The maximum credit is curbed at R90,000.00 because the Flexi Core credit card is an entry-level credit card. 

Absa Flexi-Core Credit Card Benefits

Access to the Absa Banking App at no additional cost, where you can transact, manage your daily card limits, lock and unlock certain functions, retrieve pin codes, report fraud and more. 
Automatic basic travel insurance of up to 90 days for international journeys when you purchase your return travel tickets with your Flexi Core credit card. 
can top up your travel insurance, which comes with a wider range of benefits. 
It comes with lost card protection that covers you if your card is lost or stolen. 
There is no transaction fee on purchases. 
Clients get up to 57 days interest-free on purchases. 
Clients get cashback when they pay with their Flexi Core Credit Card, both locally and internationally. 
You can get credit life protection to cover your credit card debt in the event of death, dread disease, or permanent disability. 
The Flexi Core credit card comes with a tap to pay functionality for contactless payments. 
Clients get to pay fixed monthly credit repayments so that they can be able to budget measurably. 
It comes with a free NotifyMe service so that clients can get notifications for every transaction that is performed on their accounts. 

Absa Flexi Core Credit Card Fees 2022 

#Fee description Amount
1Monthly account feeR14.00
2Monthly credit facility feeR30.00
3Secondary card feeR16.50 
4Garage cards feeN/A
5Card life plan 0.325% of the average outstanding balance for the month
6Cheque deposit at an Absa branch R60.00
7Cash deposit at an Absa branchR60.00 + R2.00 per R100.00 
8Cash deposit at an Absa ATM R2.00 per R100.00 
9Cashless cash deposit via Cash Acceptor R2.00 per R100.00
10Cash withdrawals at an Absa branch R75.00+ R2.10 per R100.00
11Cash withdrawals at an Absa ATM R2.00 per R100.00
12Withdrawal at Absa supported ATMR6.00 + R2.00 per R100.00
13Saswitch ATMR11.50 + R2.00 per R100.00
14Point of sale local cash withdrawals R2.00
15Overseas cash withdrawals ATM/POSR75.00
16Credit card purchases local and abroad Free
17Account payments via Absa ATM or onlineR10.00
18Account payments at an Absa branchR75.00
19Internal and external debit ordersFree
20Funds transfer at an Absa ATM, online or by mobile Free
21Funds transfer at an Absa branch R75.00
22Balance enquiry at an Absa ATM, online, mobileFree
23Telephone adviser assisted R7.00
24Bank statements stamped onlineR8.00
25Bank statements stamped Absa Cat ATMR16.00
Absa Flexi Core Credit Card Fees and Rates 2021

Competitive Advantages of the Absa Flexi Core Credit Card 

  • Has a number of free services such as basic travel insurance. 
  • The credit card has a very low monthly account fee of R14.00. 
  • The credit card comes with Contactless technology or Tap to Pay technology. 
  • Monthly credit repayments are fixed offering a stable repayment solution. 
  • Has an interest free credit of up to 57 days on purchases. 
  • Has lost card protection for lost or stolen cards. 
  • Can get cashback whenever you transact using your Flexi Core Credit card. 
  • Free NotifyMe via SMSs to get up to date with all account transactions. 

Competitive Disadvantages of the Absa Flexi Core Credit Card 

  • Branch transaction fees are high. 
  • The account has low credit. 

How to qualify for the Credit Card 

  1. Must be a South African citizen. 
  2. Have a valid South African ID book or Smart card. 
  3. Be 18 years or older at the time of application. 
  4. Have a monthly income of R2000.00 or more. 
  5. The latest proof of income for three consecutive months. 
  6. Proof of residence that is not older than 3 months at the time of application. 


The Absa Flexi Core Credit Card offers a great way to start a credit life at Absa. There are a number of things that one can achieve with the Flexi Core Credit Card which include but are not limited to an increase in credit score, climbing the credit ladder, understanding how credit cards work and more.

Absa Flexi Core Credit Card Review 2022

Lethabo Ntsoane

Lethabo Ntsoane holds a Bachelors Degree in Accounting from the University of South Africa. He is a Financial Product commentator at Rateweb. He is an expect financial product analyst with years of experience in reviewing products and offering commentary. Lethabo majors in financial news, reviews and financial tips.He can be contacted at [email protected]

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