Makro
Get even more value with your Makro Account
Get even more value with your Makro Account

About Makro Credit


Makro Credit works alongside your existing Makro access card and allows you to get what you need right now. Makro Credit is powered by RCS, a registered Credit and authorised Financial Services Provider. NCRCP 38/FSP 44481

You will receive a world of benefits with Makro credit:

  • 50% off extended warranties
  • Free delivery within 20km on purchases over R5 000
  • R100 birthday gift voucher
  • Exclusive deals
  • A variety of payment options to suit your pocket

The application process is quick and easy – there are no deposits required, you can get up to R20 000 credit granted, and insurance cover in the event of death, disability or retrenchment.

Application Criteria - you must:

  • be 18 years or older
  • have a valid SA ID or Drivers Licence
  • be employed and earn R2,000 or more per month
  • provide your latest 3 months' payslips or bank statements at time of application

If you already have Makro Credit


Self-service

Makro Credit self-service offers you convenience at the click of a button.


It allows you to:


  • View your latest statement as well as the last 6 months statement
  • Check your available credit
  • Opt in for e-statements
  • Update your email address online

With Makro self-service, there is no need to call or go in-store – you can get all your Makro Credit information online!

Self service Self service

Where and how to pay

Account payments must be made by the 1st of a month either throught the self service portal, in store, by debit order or EFT using the following details:

Bank: Standard Bank
Account name: RCS Cards
Account number: 061234745
Branch code: 051001
Account type: Current Account
Pre-defined bank beneficiary: Makro Credit
Beneficiary Reference: Card / Account Number (16 digits)

EFT and debit order payments can take up to 4 days to reflect on your Makro Credit account.

No cheques are accepted for Makro Credit payments.


Contact us to find out more.

Makro Credit Terms and Conditions

  • Exclusive Benefits are applicable when Makro credit is presented as tender for a 100% of the purchase value.
  • The onus rests on the Customer to ensure that any applicable benefits are redeemed or applied. The Customer should inform Makro staff they are entitled to the Makro credit Exclusive Benefits.
  • Exclusive deals will be communicated to Makro credit customers via normal channels such as statement mailers, email, SMS, etc.
  • All the normal terms and conditions of Masstores (Propriety) Limited trading as Makro SA are still applicable.
  • Any additional promotions with the relevant terms and conditions will be communicated on an on-going basis.
  • The Exclusive Benefits are subject to change without prior notification.

Extended Warranty

  • The Makro credit customer is entitled to 50% discount on normal Extended Warranty prices.
  • Extended Warranties are only sold on selected appliances; details of which are available from the Salesman.
  • Only one Extended Warranty per appliance can be sold.
  • Extended Warranties cannot be bought for anything other than domestic use products
  • If the Customer returns an appliance and cancels the Extended Warranty, they are entitled to a refund but only for the value paid for the Extended Warranty.
  • Additional terms and conditions associated with the Extended Warranty are documented in the contract.

Free Delivery

  • Only the first 20 kilometres will be free. If the distance is greater than 20 kilometres, the customer will be required to settle the additional delivery fee. The additional fee might vary per store.
  • Free delivery is only applicable if the total value of the invoice is higher than R5,000, VAT included.
  • Free delivery is not applicable to Trade Customers of Makro.

Birthday vouchers

  • The R100 birthday voucher is unconditional and has a specific validity period and should be redeemed before the expiry date.

Credit facility approval is subject to standard affordability and NCA requirements as well as RCS standard credit granting criteria.
NCRCP 38/ FSP 44481