RCS Credit Card Stores: Full List and Guide

Do you want to enjoy the convenience and flexibility of shopping at over 30,000 stores across South Africa? Do you want to get up to 55 days interest-free on your purchases and earn rewards for every rand you spend? If you answered yes, then you need an RCS credit card.

An RCS credit card is a store card that lets you shop at any of the RCS credit card stores, which include some of the most popular outlets in the country. Whether you need groceries, petrol, fashion, beauty, or DIY products, you can find them at RCS credit card stores. Plus, you can manage your account online or via SMS, and pay your instalments easily and securely.

Sounds too good to be true, right? Well, it’s not. In this blog post, we’ll show you how to apply for an RCS credit card, where to use it, and how to use it wisely. Read on to find out more.

How to Apply for an RCS Credit Card

Applying for an RCS credit card is simple and fast. You just need to meet the following requirements:

You must be 18 years or older

You must have a valid South African ID

You must have a monthly income of at least R1,000

You must have a good credit record

If you meet these criteria, you can apply online or in-store. You’ll need to provide some personal and financial information, such as your name, address, contact details, income, and expenses. You’ll also need to upload or show some documents, such as your ID, proof of income, and bank statements.

Once you submit your application, you’ll get an instant decision. If you’re approved, you’ll receive your RCS credit card in the mail within 7 to 10 working days. You’ll also get a credit limit based on your affordability and credit profile. The minimum credit limit is R1,000 and the maximum is R150,000.

There are some fees involved when you use your RCS credit card, such as an initiation fee of R119, a monthly service fee of R40, and an interest rate of 21% per annum. However, you can avoid paying interest if you pay your full balance within 55 days of your statement date.

RCS Credit Card Stores

Here are some of the categories and examples of stores that accept RCS credit card:

Automotive: You can buy car parts, accessories, tyres, and services at stores like Autozone, Supa Quick, Tiger Wheel & Tyre, and more.

Beauty: You can pamper yourself with cosmetics, skincare, haircare, and wellness products at stores like Clicks, Dis-Chem, Sorbet, and more.

Fashion: You can update your wardrobe with clothing, shoes, accessories, and jewellery at stores like Ackermans, Edgars, Jet, and more.

DIY: You can get tools, materials, and equipment for your home improvement projects at stores like Builders Warehouse, Cashbuild, Mica, and more.

Groceries: You can stock up on food, drinks, household items, and pet supplies at stores like Checkers, Pick n Pay, Spar, and more.

Petrol: You can fill up your tank and get snacks and drinks at petrol stations like Engen, Shell, Total, and more.

These are just some of the examples of RCS credit card stores. You can find the full list of stores on the RCS website or app. You can also look for the RCS logo at the store entrance or cashier.

One of the best things about having an RCS credit card is that you can use it at any of the RCS credit card stores, which cover a wide range of categories and brands.

With your RCS credit card, you can buy anything you need or want at these stores, from groceries and petrol to fashion and beauty. You can also take advantage of special offers, discounts, and promotions that are exclusive to RCS credit card holders.

How to Manage Your RCS Credit Card

Using your RCS credit card stores is easy and convenient, but you also need to manage it responsibly. Here are some tips on how to do that:

Check your balance, statement, and transactions regularly. You can do this online or via SMS. To register for online access, visit the RCS website and follow the instructions. To check your balance via SMS, send “BALANCE” to 31676. You’ll receive an SMS with your available credit, outstanding balance, and minimum payment due.

Pay your monthly instalments on time and in full. You can pay your instalments via debit order, EFT, or at selected stores. To set up a debit order, call the RCS customer service on 0861 729 727. To pay via EFT, use the following banking details:

    – Bank: Standard Bank

    – Account name: RCS Card

    – Account number: 061234567

    – Branch code: 051001

    – Reference: Your 16-digit RCS card number

To pay at selected stores, visit any of the following outlets and present your RCS card and cash:

    – Shoprite

    – Checkers

    – Pick n Pay

    – Spar

    – Boxer

    – Kazang

    – PEP

    – Ackermans

    – Jet

    – Edgars

Keep track of your spending and budget accordingly. Don’t spend more than you can afford to pay back. Avoid using your RCS credit card for cash withdrawals, as they incur higher fees and interest charges. Also, avoid using your RCS credit card for gambling, as it may affect your credit score and lead to debt problems.

Use your RCS credit card wisely and enjoy the benefits. You can earn rewards for every rand you spend at RCS credit card stores. You can redeem your rewards for vouchers, airtime, data, or cashback. You can also access exclusive deals and discounts from RCS partners, such as travel, entertainment, and education.

See also: Edgars RCS card stores


As you can see, an RCS credit card is a great way to shop smart at over 30,000 stores in South Africa. You can enjoy the convenience, flexibility, and rewards of using an RCS credit card, as long as you manage it responsibly and pay it on time.

If you’re interested in applying for an RCS credit card stores, you can do it online or in-store in minutes. Just make sure you meet the requirements and have the necessary documents. You can also visit the RCS website or app for more information and FAQs.