card fees and pricing

Please find below the updated pricing for your kulula credit card effective from 1 April 2018.

For more information please visit or call 087 575 9401

kulula credit card pricing
Credit Card Monthly account  Fees (per month, unless otherwise stated) R40.35 p.m.
Credit Facility Service Fee R10.08 p.m.
Additional Card Fee (secondary card/s) R15.10 p.m.
Initiation Fee (once off) Up to a maximum of R165.00
Personal Delivery Fee
(applicable to all deliveries excl. first delivery and incl. card replacement delivery fee)
Credit Card Purchase Free
Credit Card Budget Purchase Free
Auto Payment Fee Free
International Currency Commission and Conversion Fee: % of transaction value 2.75%
Payments and Notifications:
Online Banking Subscription Free
Online Payment R10.08
Smart Transfer Fee R10.08
Transfers and Payments at Branch R50.40
Cash Deposits:
FNB ATM with Automated Deposit Terminal (ADT) R7.55 + R1.21 per R100
FNB Branch and FNB ATM with Envelope Deposits R1.66 per R100 (R50.40 minimum)
Local Cash Withdrawals:
ATM Cash withdrawals
R3.98 + R1.31 per R100
Cash withdrawals
(FNB Mini ATM)
R3.98 + R1.31 per R100
Cash withdrawals
R6.56 + FNB Mini ATM Fee
Cash withdrawals
R6.56 + FNB ATM Fee
FNB Branch
(Includes all financial institution Branches and the purchase of foreign exchange)
R50.40 + R1.66 per R100
Budget Facility Withdrawals Flat Fee R50.40
Plus % of transaction value 2.50%
Overseas Cash Withdrawals **
ATM and Counter Fees R35.30 + R1.66 per R100
Voucher Retrieval Requests:
Local R85.70
International Voucher R267.00
Current Monthly Statement (e-mail) Free
Current Monthly Statement (post) Free
Other Fees:
Declined Transaction Fee R8.05
Budget Facility Set – Up Fee Free
Section 129 Letter Fee» R59.79
Value-Added Services *
Global Travel Insurance Free
Moolah Messaging (SMS/e-mail) Free
Lost Card Protection Free
PIN Replacement Free
Lotto/PowerBall Purchase R2.22
Prepaid Transaction Fee (FNB ATM, Cellphone, Online and Telephone Banking) R2.22


Important info:

  • The above Pricing Guide is inclusive of VAT and is valid until 28 February 2019.
  • FirstRand Bank Ltd and Comair Limited trading as reserve the right to amend product features or pricing at any time with reasonable notice.
  • The Pricing Guide and the Terms and Conditions that govern our agreement are available on the kulula website as well as from any of our call centre agents on 087 575 9401.
  • Should you require further information on the kulula credit card product and/or services, please contact us on 087 575 9401.
  • Fees are not negotiable.
* Terms and Conditions Apply.
** This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATM’s charge an additional surcharge.
» Subject to costs from Magistrate’s Court tariffs and registered mail costs.
Credit Facility Service Fee Is the cost charged monthly for the routine administration of maintaining your credit facility.
Credit Card Monthly Account Fee Is the cost charged monthly for the administration and maintenance of your credit card account.

kulula credit card — issued, owned, financed and administered by FirstRand Bank Limited. Reg. No. 1929/001225/06. An Authorised Financial Services and Registered Credit Provider (NCRCP20) & FSP 3071 — April 2018