RCS Payment Method Information

Who is RCS?

RCS logo New

RCS is a registered consumer finance and financial services provider that offers financial services to suit your lifestyle needs.

What you need to get an RCS Store Card

Correct Age Group

You must be 18 years and older

Correct Documentation


Hold a South African ID book or Drivers License

Get your payslip ready

You will be required to provide proof of income documentation.

Do you qualify

Be employed and earn R1,000 or more per month

Get started with an RCS Card

Step 1

First, start your application process here

Complete a few fields and you’ll get a response within seconds. If you are provisionally approved, you move on to Step 2.

Step 2

Next, you complete the full application

You can either do this online or in-store. Please note that RCS will need to verify your income during the full application process.

Step 3

Collect your RCS Store Card and get shopping Once your application is complete and approved, all you need to do is take your SA ID and go to the nearest store to collect your card.

online shopper


Based on your individual circumstances, you may be granted credit ranging from R1,000 to R40,000.

Based on your individual assessment, you will be charged a monthly service fee for the management of your account and interest, in accordance with National Credit Act (NCA) regulations. Please note that you will also be charged a once-off initiation fee. After that, you will be charged your monthly service, insurance premium, and interest if you have a balance outstanding.

You’ll receive a monthly statement showing your balance and amount due. You can pay at selected stores, by debit order, via EFT or online via our Self Service portal. Follow these easy steps to set up RCS as a beneficiary for easy EFT payment. If you would like to pay by debit order, simply complete the debit order section of the application form or call us on 0861 SAY RCS (0861 729 727).