Skip to contentSkip to navigation menu


Builders Card

Convenient way to purchase regularly across a wide range of products with one credit limit of up to R50 000. It’s the perfect solution to stretch your budget.

How to apply

Click on the “Apply for credit” button above, to apply on-line

Applications can be done at the Money Centre at your local Builders store

Apllication Criteria

You must be 18 years or older

Have a valid SA ID or drivers licence

Be employed and earn R2000 or more per month

You will be required to provide proof of income documentation


Get these benefits when you’re approved for Builders Credit

•       Flexible repayment options, with affordable monthly statements.

•      Repayment options: revolving, 24 &  36 months.

•       Up to R50 000 credit granted

•       You can use your Builders Card at any Makro,Dion Wired or Game store, or at any store within the
RCS network.

Free additional cards for up to 3 friends or family members.

Access to Self-Service via our website or download the App at your play store

Free SMS notifications for all your card purchases

Free Monthly statement via Email or SMS

Customer Protection Insurance for your peace of mind includes:

      oDeath Cover (which covers your full outstanding balance)

      oPermanent Disability (which covers your full outstanding balance)

      oTemporary Disability (covers up to 12 months instalments);

      oLoss of Income (covers up to 12 months instalments)

Underwritten by Guardrisk Insurance Company Limited, an Authorised Financial Services Provider.

T's and C's apply.

Contact Us

Customer Care 0861 727 740


Supporting docs fax 021 597 4728

Supporting docs Email address 

Frequently asked questions

1. What credit limit will I get?

Your credit limit will be determined by your own individual profile taking into account your affordability.

2. How much does Builders Credit cost?

A flat monthly service fee will be charged to your Builders Credit account as well as competitive interest rates applied on all purchases.

3. How do I collect my Builders Credit card?

You can collect your Builders card at any Builders store nationwide.

4. Can I view my account on-line?

Yes, you can view your account on-line by registering for Self-Service or by downloading the Builders Credit App from your play store.

5. How do I register for Self-Service?

To register, click on the “my account” tab and follow the instructions. Please have your account and mobile numbers ready. The following services will be available via Self-Service:

      oCheck your available credit

      oDownload previous e-statements

      oOpt-in for e-statements

      oUpdate Email address

      oPay your account

6. Where can I find my account number?

Your account number can be found on your monthly statement or you can call us on 0861 727 740

7. How do I check the amount I need to pay or have available to spend?

The amount will reflect when you log in to Self-Service as well as on your latest statement.

8. Can I use my Builders retail loan to shop on-line?

The Builders card can now be used both in-store and online when shopping for your favourite products. 

9. How do I pay my Builders Credit account?

There are many ways to pay your Builders Credit account:

      oDebit order. A payment is automatically debited from your bank account on the due date that you have selected.

      oIn-store, by visiting any Builders store in South Africa

      oEFT payment, simply pay the required amount by using your 19-digit account number on the    front of your Builders card. Please only use these banking details when making an EFT payment.

                Bank: Standard Bank

                Account name: RCS Cards

                Account number: 271 028 157

                Account type: Current Account

                Pre-defined beneficiary: Builders Credit

                Beneficiary reference: 19 digit card/account number only


10. How do I set up a debit order to pay my Builders Credit account?

Call us on 0861 727 740 and we will set it up for you.

11. How much do I need to pay each month?

Your monthly statement reflects the instalment that you need to pay by the 1st of the month.

12. What should I do if I lose my card?

Call us on 0861 727 740 and we’ll block the card immediately

You can then go to any Builders store in South Africa and we’ll provide you with a replacement card at a nominal fee.