Kulula Credit Card
Real value deserves the real people; this is why Kulula brings you the best of credit card services in South Africa.
About – Kulula Credit Card
We have headed the calls of the majority to have affordable, obtainable and quality credit cards and to these people, we table our massive credit card benefits.
The life that we live in South Africa cannot be easily sustained with what we have in our bank accounts.
The unfortunate part is that we might not have enough cash in our bank accounts at all the time. Kulula comes with a revolving credit facility that will see you having cash right when it matters.
WHO IS KULULA?
Kulula is a brand name for the First Rand Bank, and the institution seeks to bring valuable financial services to the people of South Africa.
We provide financial services that range from everyday banking, personal loans, credit cards and other related financial services. Our services are pegged on the best quality with everything being aligned to the provisions of the National Credit Regulators provisions.
The Kulula team has always prioritised the requirements of the people, and this is why our products easily satisfy our clients’ needs.
THE KULULA CREDIT CARD PACKAGE
With the quest of satisfying the daily financial needs of our people, we have designed credit cards that cater to the vast needs of our people.
Our credit cards give applicants access to amounts that reach up to R150 000. The credit facility will be repayable over a lengthy period of 60 months, depending on the client’s ability and requirements. Our clients can be able to use our cards in South Africa and internationally for their flights or any other transactions where Visa is accepted.
With our credit cards, clients will depart from the old ways of running into a financial deficit in the middle of shopping or trips. That’s, Kulula credit cards are there to give you financial freedom.
WHY KULULA CREDIT CARDS?
Kulula means “it’s easy”, and so our credit cards will make your financial affairs easier. Firstly, our company provide credit cards come with massive benefits, when our customers spend an amount above R2 000 in the first month, they get cash back of R200.
This bonus can be accumulated and used to pay for the entire air ticket, thus giving you an advantage over others. The credit cards also give you an advantage when you have a piece of baggage on your flight. You get 5Kg free baggage allowance on all your Kulula flights.
In addition to that, our credit cards do not require a lot from applicants, and they are fast and straightforward to obtain.
HOW LONG DOES IT TAKE TO OBTAIN A CREDIT CARD?
Unlike other forms of credit services like personal loans and property finance, the credit card will not take much of your time.
The primary determinant of the time it takes to obtain the card is how the applicant organises and prepare their documents in the application stage.
Applications that have mistaken on filling or submitted with wrong documents tend to take longer to process as assessors will need to reach back to the applicant for resubmission. At Kulula, the credit cards will take an average of three working days to be released.
CAN I OBTAIN A CREDIT CARD WHEN BLACKLISTED?
The company takes all relevant measures to ensure that responsibility credit service provision prevails within our daily operations. Thus, we conduct a credit assessment on our clients to make sure that credit services are given to people who have the ability and willingness to make repayments.
Unfortunately, the credit assessment procedure will root out anyone who is blacklisted, sequestrated or under debt management from acquiring our credit cards.
Kulula exercises a responsible lending practice in line with the provisions of the National Credit Regulator
The applications will need applicants to be working residents of South Africa who receive their monthly salaries above R6 700 a month through the bank. The applicants need to be above the age of 18 years before making a credit card application.
During the application process, clients will be required to submit all of the following documents
- A South African national identity document or valid South African drivers licence
- Proof of residential address that is not older than three months
- Latest pay slip from the current employer
- A stamped three months’ bank statement
HOW TO APPLY FOR KULULA CREDIT CARDS?
Kulula makes everything easier for you, this is why our application is a short and simple process.
The application can be done online, here applicants will be required to fill their information before attaching the relevant documents. When our credit team approves your application, one of our consultants will reach you with the collection procedures.
Thus Kulula, making your financial experience an easy one.