Absa Flexi Core Credit Card Review 2023

Absa Flexi Core Credit Card

Absa Flexi Core credit card is a first-tier credit card available to individuals earning R2,000.00 per month. The credit card has a credit limit of up to R90,000.00, but this is subject to affordability.

The Absa Flexi Core credit card comes with free membership in the Absa rewards program. Members can earn up to 30% in real cash back and up to 50% in discounts through the rewards program.

When using their Flexi Core credit card to purchase airline tickets, credit card holders receive 90 days of free travel insurance. Additionally, credit card holders can top up their travel insurance at a fee.

The account has a R44.00 monthly account fee. On qualifying purchases, the credit card provides up to 57 days of interest-free credit. There are no transaction fees when using the credit card.

Individuals aged 18 and up are eligible for the Absa Flexi Core credit card. Individuals applying for the credit card must also have a good credit history.

The credit card provides numerous benefits to the cardholder. These benefits are listed as follows.

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 2023

Fee DescriptionAmount
Monthly Account FeeR14.00
Monthly Credit Facility FeeR30.00
Secondary Card Per Month R16.50 per card
Optional credit protection plan Max 0.41% of the monthly premium
Cash deposit at Absa ATM R2.50 per R100.00 
Cash deposit at Absa branch R4.00 per R100.00 
Cardless cash deposit at Absa ATM R2.50 per R100.00 
Cash withdrawal at any Absa ATM (local) R2.50 per R100.00 
Cash withdrawal at Absa branch R80.00 + R2.50 per R100.00 
SASWITCH ATM cash withdrawal feeR10.00 + R2.50 per R100.00 
Overseas ATM withdrawal feeR80.00 
Overseas Point of Sale withdrawal feeR80.00 
Credit card purchases Free
Prepaid purchasesR1.50
SASWITCH ATM purchases R12.00
Lotto purchases R2.70
Account payments onlineR10.00 
Account payments at Absa ATM R10.00 
Absa branch Account paymentsR80.00 
Interbank payments R11.50

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 R44.00. 
  • 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.



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