British Airways Credit Card

If travelling and shopping fascinate you, the British Airways Credit card can be a good option. This card opens up endless travel opportunities around the globe and every time you charge a qualifying expense on the card, Avios points are earned and they enhance your ability to travel more. As long as you can spot a MasterCard logo, you are assured of secure and convenient purchases.

As a holder of this card, you have the experience of a world citizen at your fingertips. Whether you want to shop and have a romantic vacation to Paris; this card has got you covered.

And if you are a chronic traveler or shopper, the spending doesn’t go unrewarded. Within no time, you will have collected enough Avios to pay for your next exciting trip.

Also read: Avios Credit Card: Get more points

How to apply for BA Credit Card

Applying for a British Airways Credit card can be one of the most important decisions you will make if you are a frequent shopper or traveler. Submitting your application is quite easy since you only need to have access to the internet.

All applicants are subjected to a credit review which is individualized meaning you will get a credit limit depending on your financial profile. If your application is approved, you will automatically qualify to get up to 9000 Avios in your first three months.

BA Credit Card Interest rates and fees

There are various costs that are associated with this credit card but there are many benefits that make it an outstanding product. You get 55 days of interest-free credit on your purchases; make purchases without paying a transaction fee, worldwide card acceptance, and face to face delivery.

The interest rate on this card is 20.5% on your balances and if you maintain a positive balance, you will be earning 0.2% cash back. To acquire the card, the initiation fee is R166.45 which is a one-time payment. The monthly facility fee is R25.22 and it caters for administration costs hence facilitating daily usage of the credit card. The monthly account fee is R50.44 and it differs with the former fee in that it facilitates the use of value-added features of your credit card.

If the card is lost or stolen, you may be required to pay R141.23 for a replacement but this decision lies with the service provider. Clients can request for a secondary card at a cost of R15.13 per month.

British Airways credit card: Overview

Explore the World with a BA Credit Card!


The British Airways card is designed to help you explore the world by granting you access to exclusive benefits and features that can make your trips more fulfilling. Basically, this card is accepted across the world and the Avios collected with your purchases imply that you can travel more.

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BENEFITS


When you signup, a reward of 5000 Avios is unlocked after using the card. But if you spend R24000 within the first three months, you will receive an additional 4000 Avios. This means you can get 9000 Avios in the first 90 days which is sufficient for a return ticket from Jo’burg to Durban.

For every R7.5 spent on normal expenses, you will earn one Avios and when you use the credit card at BP, Pick n Pay and British Airways, collect one Avios for every R5 spent. You will get access to British Airways Executive Club as well as a priority check-in within South Africa. In addition, the cards use chip and pin technology to ensure security is top notch.

REQUIREMENTS


• Have at least R8000 in monthly income
• Be over 18 years
• Have a valid SA ID

FEES


• Initiation fee: R166.45
• Replacement fee: R141.23
• Monthly facility fee: R25.22
• Monthly account fee: R50.44
• Secondary card fee per month: R15.13