card fees and pricing

Please find below the updated pricing for your kulula credit card effective from 1 March 2021.

For more information please visit or call 087 575 9401

kulula credit card pricing  2021
Facility Fees
Credit Card Service Fee R11.00 p.m.
Initiation Fee (once off) Up to a maximum of R175.00
Credit Card Monthly account  Fees (per month, unless otherwise stated) R42.50 p.m.
Additional Card Fee (secondary card/s) R16.00 p.m.
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 R10.50
Smart Transfer Fee R10.50
Transfers and Payments at Branch R55.00
Cash Deposits
FNB ATM with Automated Deposit Terminal (ADT) R8.00 + R1.30 per R100.00
FNB Branch and FNB ATM with Envelope Deposits R1.90 per R100 (R55 minimum)
Local Cash Withdrawals
ATM Cash withdrawals
R1.90 per R100.00
Cash withdrawals
R7.00 + FNB ATM Fee
FNB Branch (Includes all financial institution Branches and the purchace of foreign exchange) R55.00 + R1.90 per R100.00
Budget Facility Withdrawals Flat Fee R55.00
Plus % of transaction value 2.50%
Overseas Cash Withdrawals**
ATM and Counter Fees R40.00 + R1.90 per R100.00
Voucher Retrieval Requests
Local R90.00
International Voucher R280.00
Current Monthly Statement (e-mail) Free
Current Monthly Statement (post) Free
Other Fees
Declined Transaction Fee R8.50
Budget Facility Set – Up Fee Free
Value-Added Services*
Global Travel Insurance Free
Moolah Messaging (SMS/e-mail) Free
Lost Card Protection Free
PIN Replacement Free
Lotto/PowerBall Purchase R2.50
Prepaid Transaction Fee (FNB ATM, Cellphone, Online and Telephone Banking) R2.50


Important info:

  • The above Pricing Guide is inclusive of VAT and is valid until 28 February 2022.
  • 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.
* This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATM’s charge an additional surcharge.
** Terms and Conditions Apply.


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) — March 2021