Makro Credit | Makro Online Site
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Features & Benefits

  • Earn an extra 1% in mRewards every time you shop. Simply download the mCard app to enjoy this benefit.
  • Flexible repayment options, with affordable monthly instalments. Repayment options: revolving, 24 and 36 months
  • Makro Credit can be used at any Makro store nationwide as well as for online purchases at
  • Makro Credit can also be used to purchase at Game, Builders, Cambridge Food and any other store within the RCS retail network.
  • Access to Self-Servicevia our website
  • Free SMS notification for all your card purchases
  • Free monthly statement via email or SMS

For your protection, your Makro Credit includes Customer Protection Insurance* covering the following:

  • Death cover - Covers your full outstanding balance
  • Permanent Disability - Covers your full oustanding balance
  • Temporary Disability - Covers up to 12 months' installments
  • Loss of Income - Covers up to 12 month's installments

*Cover underwritten by Guardrisk Insurance Company Limited and Guardrisk Life Limited, authorised Financial Services Providers. Additional information on key limitations, exclusions, risks and charges related to the policy can be viewed here (accounts opened up prior to October 2020) and here (accounts opened from 1 October 2020).

Makro Credit

Application criteria:

  1. You must be 18 years or older
  2. Have a valid email address
  3. Have a valid SA ID or driver’s licence
  4. Be employed and earn R2 000 or more per month
  5. You will be required to provide proof of income documentation

Your privacy matters. When you apply for a Makro credit solution, your information is kept secure and will not be shared or sold.

APPLY ONLINE or speak to a consultant in-store 

Self-Service: Manage your Makro Credit

If you have a Makro Credit, you can make use of Self-Service to:

  • Check your available credit
  • Access cash
  • Pay your account
  • View and download your latest statements
  • Opt for e-statements
  • Update your email address


Or download the Makro Credit App from the iOS or Android App stores

Contact Us

  0861 888 009

T&C's apply. RCS is a registered Credit and Authorised Financial Service Provider


Frequently Asked Questions

What is Makro Credit?

Makro Credit is a credit facility that allows you to shop at all Makro stores nationwide

How much does Makro Credit cost?

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

What credit limit will I get?

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

At which shops can I use Makro Credit?

You can use Makro Credit at any Makro store nationwide or to shop online at Makro Credit can also be used to purchase at Game, Builders, Cambridge Food and any other store within the RCS retail network.

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.

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.

Can anyone else use my card for online purchases at

Only the cardholder can use Makro Credit for online purchases. For security purposes, the cardholder will be sent an OTP (One Time Pin) to confirm that it is indeed the cardholder shopping online

What payment plans are available for online purchases?

When an online purchase is made, the purchase will automatically default to the Revolving Plan. Should you require a budget plan (24 or 36 months), please call 0861 888 009 to request a plan transfer.

Terms and conditions apply. NCRCP38/FSP44481

Need Help?

Our Credit Solutions are provided by RCS Cards Proprietary Limited (RCS).
For any assistance with your Makro Credit Solution call RCS Contact Centre 0861 888 009