Our picks by what matters most — a first account, the best interest-free deal, the widest shopping reach, or the best all-rounder. Independent, and honest about the trade-offs.
Our picks
Picks are our editorial opinion. Credit limits are individually assessed, so we don't rank on limit size.
A low entry bar and wide availability make Ackermans an ideal starter account to build a credit record — it's even open to pensioners and grant recipients.
Truworths offers the cleanest interest-free deal of the majors: a genuine 6-month interest-free plan (pay on time and you pay no interest).
One TFG Money account (open via Foschini) works across 20+ brands — fashion, sport, homeware and beauty — so a single approval goes a long way.
Truworths pairs the 6-month interest-free plan with a wide group of brands and a fast online decision.
MRP Money spans six value brands with relatively relaxed requirements and a quick decision.
| Store account | Credit provider | Interest-free | Ease to get | |
|---|---|---|---|---|
| AcAckermans | Tenacity / Pepkor · NCRCP13053 | Interest-bearing | Easier | View |
| TrTruworths | Truworths Ltd · NCRCP45 | Up to 6 months | Medium | View |
| FoFoschini | TFG Money · NCRCP36 | 6-month plan | Medium | View |
| MrMr Price | MRP Money · NCRCP46 | Interest-bearing | Easier | View |
| WoWoolworths | Woolworths FS · NCRCP49 | Up to 55 days | Stricter | View |
