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British Airways Credit Card

Geovana Ramos
December 7, 2023

The British Airways Visa Card offers exclusive benefits, making it ideal for those seeking significant rewards. With every purchase, you earn Avios points that can be redeemed for flights, upgrades, and exclusive perks, providing a rewarding financial experience.

In addition to points, the card offers free travel insurance and access to VIP lounges at airports, adding extra comfort and convenience. Enjoy peace of mind knowing you are protected and can relax in luxury.

The British Airways Visa Card also has no foreign transaction fees and offers priority customer service, perfect for international purchases. Continue reading to discover more about the exclusive benefits that make this card the ideal choice.

About the Absa Bank

The British Airways Visa Credit Card is brought to you by Absa Bank, a premier financial institution in South Africa. Renowned for its reliability and superior banking services, Absa Bank delivers a broad spectrum of financial products tailored to various customer needs. With a strong heritage in the financial sector, Absa Bank is dedicated to providing innovative and effective banking solutions.

Absa Bank is widely acknowledged for its robust security measures and commitment to technological advancements. The bank’s state-of-the-art security protocols ensure that customer data and transactions remain secure, offering users peace of mind. By continuously updating its security features, Absa Bank ensures a safe and trustworthy banking experience for all its clients.

Committed to excellence in customer service, Absa Bank provides comprehensive support to all cardholders. The bank’s customer service team is available to offer prompt and personalized assistance, ensuring a seamless and satisfying experience. Absa Bank’s dedication to customer care underscores its role as a trusted partner in managing your financial needs.

Card Benefits

Bidvest Premier Lounge Access: Enjoy 8 complimentary accesses per year, with 4 accesses for domestic flights and 4 accesses for international flights. This benefit provides a comfortable and luxurious environment to relax before your flights, offering amenities such as free Wi-Fi, refreshments, and seating areas.

Travel Insurance: Receive basic coverage on international trips, including medical expenses, trip cancellation, and lost luggage protection. Additionally, you have the option to purchase top-up cover for enhanced protection.

Interest-Free Period: Benefit from up to 55 days of interest-free credit on qualifying purchases, allowing you to manage your finances more effectively and avoid interest charges if the balance is paid in full within this period.

No Transaction Fees: Make purchases at point-of-sale terminals without incurring any transaction fees, providing cost savings and convenience for everyday spending.

Lost Card Protection: Automatic protection against fraudulent transactions if your card is lost or stolen. This feature ensures you are not held liable for unauthorized charges after reporting the loss or theft.

Buyers Protection and Extended Warranty: New purchases are covered for damage or theft, and the manufacturer’s warranty is extended, giving you added peace of mind for your valuable items.

Contactless Payment: Tap-to-pay technology allows for secure and convenient transactions at any point-of-sale terminal that supports contactless payments. This feature speeds up the checkout process and enhances security.

Full ATM Functionality: Access full ATM functionality, including cash withdrawals, from any ATM worldwide. This feature ensures you have access to cash wherever you travel.

Digital Wallet Support: The card is compatible with digital wallets like Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay, allowing for seamless and secure payments using your mobile devices.

British Airways Fees and Commissions

The Absa British Airways Visa Card has a monthly facility fee of R30.00 and a monthly account fee of R65.00. Cash withdrawals from Absa ATMs cost R2.50 per R100, while overseas ATM withdrawals incur a fixed fee of R80.00.

Interbank transfers are charged at R11.50, and in-branch transfers cost R80.00. Tax certificates requested in-branch cost R27.00, while online certificates are R10.00. Notifications via SMS are R0.60, and emailed statements are R2.00 each.

Please note that fees and charges are subject to change without prior notice. For full details, refer to Absa’s terms and conditions.

Positive points

Travel Benefits:
Free access to Bidvest lounges, basic travel insurance, and up to 55 days of interest-free credit.
Avios Points Accumulation:
Earn Avios points on all purchases, which can be redeemed for flights, upgrades, and other exclusive perks.
No Transaction Fees:
No fees on point-of-sale purchases and support for digital wallets like Apple Pay and Google Pay.

Negative points

Cash Withdrawal Fees:
High fees for ATM withdrawals, especially overseas.
Minimum Income Requirement:
Requires a minimum monthly income of R8,000, which may exclude some applicants.
Monthly Fees:
Monthly account and facility fees might be considered high by some users.

Credit card limit

The credit limit of the British Airways Visa card is personalized based on the applicant’s financial profile. This means the limit is determined after a detailed analysis of income, credit history, and other financial information provided during the application process.

This personalized approach ensures that the credit limit aligns with the individual’s financial capacity and borrowing needs. Applicants can contact the issuer directly to understand their specific credit limit upon approval.

How to apply for British Airways

Visit the Website: Go to the Absa British Airways Credit Card page.
Check Eligibility: Ensure you meet the requirements, including a minimum monthly income of R8,000, valid South African ID, and proof of residence.
Complete the Application: Fill out the online application form with your personal and financial details.
Submit Documents: Provide necessary documents such as ID, proof of income, and proof of residence.