Got a question about your British Airways Credit Card?
Get your answer here.
What is a credit limit and why do I have one?
The credit limit is the maximum amount of credit on your card that was included in the quotation issued during the application process and is based on the assessment of your affordability. With your written permission, the British Airways Credit Card team will automatically assess your credit limit every year. If you want us to do so, please complete the Credit Limit Increase consent form included with your credit card or call 0861 4 22 000.
You can even request one via email at email@example.com
You may apply for your credit facility to be assessed (once every 6 months) or to have your credit limit increased, subject to an affordability assessment, by calling the British Airways Credit Card Barclaycard team on 0861 4 BA 000 (0861 4 22 000).
What is a budget facility and how does it work?
Your credit facility gives you access to the combined limit (credit limit) for both straight and budget. You have one limit, but you can choose between ‘straight’ or ‘budget’ at the point of sale (POS) without arranging a separate budget limit.
Your budget facility works like an instalment agreement, enabling you to make purchases in excess of R300 and repay the purchase price in fixed monthly payments over 6 to 48 months.
Does my card give me interest-free credit?
Yes, it does – up to 55 days! As long as you settle your full outstanding balance by the payment due date shown on your statement, you won’t pay a cent in interest on your purchases. This doesn’t include cash withdrawals, internet banking transfers, budget transactions or casino transactions, on which you pay interest from the transaction date.
All transactions in your statement period (total balance as on your statement date) must be paid on the payment due date reflected on your statement to prevent interest accruing on purchases. To change your statement date or payment due date, please call 0861 4 BA 000 (0861 4 22 000).
Do I earn interest on a positive balance on my British Airways Credit Card account?
Yes, you do. If you’ve deposited more money into the account than the full balance owing, you will earn interest on your money. What’s more, you won’t be charged any interest on purchases, cash withdrawals or fuel while you have a credit balance.
Can I make online purchases and is it safe?
Yes, you can. Barclaycard has a more secure online shopping experience for you. No upfront registration is required when shopping online at a 3D Secure merchant and there is no username and password to remember anymore. You will now receive an SMS with a One-Time Password (OTP) that will be valid for one transaction only when shopping at a 3D Secure merchant, protecting your card against fraudulent online use. Should you plan to use your credit card online while abroad, ensure that your cellphone is enabled for roaming.
I have heard I can get travel insurance with my British Airways Credit Card. Is that true?
Yes, it is. If you buy your full return international travel ticket on your credit card, you get basic travel insurance. Check the policy wording before you travel to ensure that the cover is sufficient for your needs. You can also purchase top-up cover if you need to add to the basic cover by calling Absa Travel Insurance on 0861 227 284.
How can I check my transaction history?
You will receive monthly statements from the British Airways Barclaycard team detailing every transaction made with your card. It’s very important to check these every month. If you need a duplicate statement, you can get one online or by calling 0861 4 BA 000 (0861 4 22 000).
Can I get my statements emailed to me?
Most definitely! In fact, we recommend it. eStatements look just like the printed ones, but they are emailed to you at no additional cost. You can request eStatements through British Airways Barclaycard Online Banking or by calling 08614 BA 000 (0861 4 22 000) to activate your eStatements.
What happens if I discover an error on my statement?
If you notice transactions on your statement that you didn’t make or there are duplicated transactions, you need to let us know within 30 days after your statement date. Notify us via email at firstname.lastname@example.org or call us on 0861 4 BA 000 (0861 4 22 000).
Is there any way for me to know immediately if there is unauthorised activity on my account?
Yes, there is, thanks to the NotifyMe service. This service ensures that you receive an email or SMS notification of activity on your account – so you are in total control of your security at all times. You can register online at British Airways Barclaycard Card Online.
Please note that additional fees will be charged for the service.
There’s an ‘expiry date’ on my credit card. What does this mean?
You will not be able to use your credit card after the expiry date. If your account is in good standing and you meet all standard assessment criteria, we’ll automatically send you a replacement British Airways Credit Card(s) during the month in which your existing credit card(s) expires. When you’ve received the replacement credit card you must destroy the old credit card by cutting up the credit card horizontally through the magnetic stripe and through the chip.
What happens if I lose my credit card, or it is stolen?
Thanks to your free, automatic Lost Card Protection benefit, this needn’t be a disaster – as long as you report the loss of the card immediately. A single call to the toll-free number, 0800 11 11 55, will get it stopped immediately. A new card will be issued dependant on an assessment approval. If your card is lost/stolen while you are overseas, you can report it to MasterCard – 001 636 722 7111.
Important note: If your PIN is used during an unauthorised transaction, you will not be covered by Lost Card Protection unless you can prove that your PIN was not obtained by the fraudster because of your intent or negligence. The lesson here is: Never keep your PIN with your card.
How can I retrieve my PIN?
Call the British Airways Barclaycard team on 0861 4 BA 000 (0861 4 22 000)
Do I have credit protection?
For a small monthly premium of the average outstanding balance, the Absa Card Life Plan covers the outstanding debit balance of your credit card up to a maximum of R100 000. This means your outstanding balance is settled in full (limited to amounts referred to above) in the event of your death or total and permanent disability, and you are covered from the date that we receive your first instalment. You even receive cover for 10% of the outstanding balance, which is paid into your credit card as instalments for up to four months, if you are retrenched.
Apply for your Card Life Plan by calling 0861 4 BA 000 (0861 4 22 000). It’s a very small price to pay for such huge peace of mind. Card Life Plan claims can be submitted by calling 0860 105 629 or emailing email@example.com. For an up-to-date pricing guide visit bacard.co.za
Terms and conditions apply.
Can I use my card overseas?
Most definitely! The South African Exchange Control Rules and Regulations allow South African residents travelling abroad for business or holiday purposes to use a single discretionary allowance per annum as determined by the South African Reserve Bank from time to time. Clients are advised to make use of travel allowances within the prescribed limits and subject to compliance with all Exchange Control requirements.
How does the currency conversion work?
Any transaction or payment in a currency other than South African rand will be converted to rand at the exchange rate prevailing at the time and on the date of processing the transaction to your account.
Due to fluctuation in the exchange rate, the cardholder’s bank statement will remain the official record of the amount of the transaction regardless of the information contained in a NotifyMe message or any other source. Any prior notification, e.g. by SMS, is intended only to notify the cardholder of the transaction, which may be processed at a later stage when the exchange rate may have changed.
How much is the currency conversion fee?
A fee is added to cross-border/international transactions for currency conversions.
For an up-to-date pricing guide visit bacard.co.za
You and any secondary cardholder both acknowledge that details of all transactions concluded outside of the Republic of South Africa will be provided by us to the South African Reserve Bank, South African Revenue Service and/or the Financial Intelligence Centre. At the time of this publication the permissible allowance is R1 000 000 per adult, per calendar year and R200 000 per child under the age of 18 years. This allowance is restricted to travel-related expenses and allows you to spend up to the allocated amount using a combination of foreign banknotes, foreign currency, traveller’s cheques or your credit card.
The cost of your air ticket does not form part of the allowance. Please contact the British Airways Credit Card team on 0861 4 BA 000 (0861 4 22 000) if you need to use your cards abroad for any reason other than a short business trip or a holiday, to get guidance on the Exchange Control Rules and Regulations requirements to be met in such instances.
Important note: If you’re temporarily abroad for any reason other than a holiday or short business trip (for example, on a work permit), you may not use your South African-issued credit card(s). Cardholders must present their bankers with a written undertaking to this effect prior to their departure from South Africa, at their nearest International Banking division.
Can I use my British Airways Credit Card to buy overseas goods via the internet?
You are allowed to make foreign currency payments for small international purchases to the maximum amount of up to R20 000 per transaction. Of course, you will still need to comply with all the requirements of customs duties and the Custom Authorities.
Can I buy international lottery tickets or gamble online with my credit card?
No, in terms of the Lotteries Act No. 57 of 1997, the Gambling Act No. 7 of 2004 and the current Exchange Control Rules and Regulations, South African residents may not participate in lotteries organised abroad or in any internet gambling activities. So, you may not use your card to buy tickets for these lotteries or participate in online (internet) gambling as this is contravening the law.
What does it cost to join the British Airways Executive Club?
The British Airways Executive Club Membership is free of charge. If you are not a member already then we will automatically enrol you when your application for a British Airways Credit Card is approved. To find out more about the British Airways Executive Club please visit britishairways.com.
How do I earn points via the British Airways Executive Club?
As a British Airways Credit Cardholder you will earn Avios:
- First spend bonus = 5,000 Avios
- Everyday spend (other than partner spend) = one Avios for every R7,50
- One Avios for every R5, 00 on British Airways, Pick n Pay or BP
- Extra 4,000 Avios when you spend R24 000 in the first 3 months
- Even more, you can get priority check-in.
Spend tier bonuses:
- R50 000 – lounge day pass and upgrade vouchers
- R100 000 – 10% back on Reward Flight Saver redemption
- R200 000 – lounge access and free companion voucher and upgrade vouchers
Find out more about collecting and spending Avios at britishairways.com
Anything else I should know?
The credit card may only be used for lawful transactions and may not be used for any transaction prohibited by any law. It is the responsibility of the cardholder to ensure that the cards are used for lawful transactions only and according to South African legislation.
When the cardholder uses the credit card for cross-border or international transactions, the cardholder may be required to pay a fee for the currency conversion of such transactions.
How can you pay?
Your monthly statement shows the minimum amount you need to pay on your British Airways Credit Card and the date by which you need to pay it. You can also get your outstanding balance at any ATM, via electronic banking, or by calling us on 0861 4 BA 000 (0861 4 22 000). To make it easy and convenient to keep your card repayments up to date, there are three ways you can pay:
Debit order (automatic payment instruction)
This is the safest and easiest way to pay. By signing a debit order, you authorise the British Airways Credit Card team to automatically deduct the required amount from your nominated account.
If you pay by debit order, you can choose to pay:
- The full outstanding amount each month.
- The specified minimum repayment, which is currently 3% of the outstanding balance or R25, plus any repayments required on your budget account (and any arrears on your account).
- A fixed monthly amount – if the fixed monthly amount is more than the outstanding balance, the amount payable will be for the outstanding balance).
To arrange a convenient debit order payment, call 0861 4 BA 000 (0861 4 22 000).
Can I collect Avios on my SA British Airways Credit Card if I registered outside South Africa?
No, non South African British Airways Executive Club members do not earn Avios on the South African British Airways Credit Card. In order to collect, you will need to contact the British Airways Executive Club (010 344 0135) to either update your country of residence or open a new South African British Airways Executive Club membership.