Kulula Credit Card

The Kulula Credit card is an innovative product offered by the FirstRand bank. When you swipe the card, you earn points that can be used to pay for Kulula or British Airways flights. In a bid to give back to customers, Kulula.com offers a credit card that makes domestic flights affordable and convenient through the creative reward system.

When you get this card, the company will notify you when there are offers and promotions. This ensures you can get great services at a bargain. If you wish, the budget facility allows you to pay for your purchases in up to 60 months which can be very convenient when you want to stick to a budget. However, the rewards are limited to qualifying transactions which may exclude cash transactions and budget purchases.

How to apply

To be eligible for the Gold card, you need to be an adult with minimum earnings of R6700 per month. With the online application, you have access to online banking which comes for free. Besides providing proof of residence, it is required that you submit copies of your pay slip and bank statement. The application process is simple since it is online based. Once approved, you will be given a welcome bonus of 200 points but this comes after you make purchases worth R1000 within one month of getting the new card.

Interest rates and fees

This card has a competitive fee structure to make sure you get a convenient solution. You have to pay for the new card but the R165 is a one-off payment. But if you lose the card, a replacement fee of R232 which is inclusive of personal delivery. To continue using the service, you are required to pay a monthly fee of R40.35.

If you want to extend the benefits and convenience of Kulula Gold credit card to your loved ones, you can ask for a secondary card. However, the monthly fee is R15.10 for each additional card. While the average interest rate is 20% the exact figure is determined by how much you earn as well as your credit profile. When you submit the application, the system will let you know the interest rate.

Kulula Gold credit card

It’s so easy to spend money, so we thought, why not reward your spending by giving you an opportunity to fly for free.

As a holder of the Kulula Gold card, you will be rewarded with free flights when you spend money. When you make purchases with the card, you earn Kulula Moola points and you can use them to get a flight through Kulula.com. Unlike other programs, you get a point for every Rand you spend since they don’t use a points system.

Therefore, if you want to get a card with serious rewards that can pay for a flight, the Gold card is for you. The points can be used to pay for the entire flight or use them to get a discount when traveling. At the same time, you are entitled to get up to 5 kg luggage allowance when you fly with Kulula.

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• Personalized interest rates
• Kulula Moolah cashback gives you up to 3% on your monthly purchases
• Get global travel insurance for free
• 55 days of interest-free credit
• The budget facility allows you to pay for purchases in up to 60 months
• Receive R200 Kulula Moolah when you spend R1000
R1 kulula moolah = R1


• A valid South Africa ID book or passport
• An active bank account
• Minimum income of R6700 per month
• A recent pay slips and bank statements


• One-time card initiation fee of R165
• Monthly account fee of R40.35
• Additional card fee of R15.10
• Card replacement and delivery fee of R232