Makro Credit | Makro Online Site
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Makro Credit


  • Free delivery within a 20km radius on your first purchase in-store over R5 000 (incl. VAT)
  • R100 birthday gift voucher
  • Exclusive Benefits when Makro credit is presented as tender for a 100% of the purchase value
  • Flexible repayment options, with affordable monthly instalments. Repayment options: revolving, 24 and 36 months
  • Earn an extra 1% in mRewards every time you shop. Simply download the mCard app to enjoy this benefit.

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, DionWired, Builders and any other store within the RCS retail network.
  • Access to Self-Service via our website
  • Free SMS notification for all your card purchases
  • Free monthly statement via email or SMS
  • Up to R50 000 credit granted
  • Customer Protection Insurance

*Guardrisk Insurance Company Limited is an Authorised Financial Services Provider. Additional information on key limitations, exclusions, risks and charges related to the policy can be viewed here

How to apply


What you need to apply

  • You must be 18 years or older
  • Have a valid South African bank account
  • Have a valid SA ID or driver’s licence
  • Be employed and earn R2 000 or more per month
  • You will be required to provide proof of income documentation

Contact Us
Call Customer Care on 0861 888 009

Or Speak to a consultant in-store

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


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
  • View and download your latest statments
  • Opt for e-statements
  • Update your email address

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

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



Frequently Asked Questions

How much does Makro Credit cost?

The 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.

Where can I purchase with Makro Credit?

You can use Makro Credit at any Makro store nationwide or to shop online at The Makro Credit Card can also be used to purchase at Game, DionWired, Builders 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