Updated March 2026Credit Card Interest Rate (APR) in South Africa (2026)
22.0%
Ranked #18 of 30 • Global avg 40.1%
The typical credit card APR in South Africa sits at 22.0%, below the global average of 40.1%.
Among the 30 economies tracked by NoodlePants, South Africa ranks #18 for credit card apr — putting it mid-pack globally.
Carrying a $1,000 balance at 22.0% APR costs roughly $220 per year if only the minimum is paid.
All financial metrics for South Africa
Where South Africa ranks among 30 countries
#1
Switzerland
Switzerland12.5%
#2
Sweden
Sweden13.5%
#3
Italy
Italy13.9%
#4
Netherlands
Netherlands14.0%
#5
Japan
Japan14.5%
#6
Germany
Germany14.8%
#7
Greece
Greece15.2%
#8
Thailand
Thailand16.0%
#9
France
France16.2%
#10
Portugal
Portugal16.8%
#11
Spain
Spain17.5%
#12
Malaysia
Malaysia18.0%
Compare South Africa's credit card apr
Pick another country and see a full side-by-side breakdown.
Want the full South Africa profile?
Live exchange rates, travel advisory, AI insights and more.
Open profile →