credit cards
payment options

No cash, no problem! Shop it like it's hot with your Refinery Card, then pay your account in monthly instalments. That easy! Your payment options:

  • - Online banking
  • - Deposit at the bank
  • - Debit order
  • - In-store

So convenient!


You can:

  • - Use your Refinery Card at any Refinery, Ackermans, Dunns, Shoe City, John Craig or Tekkie Town branch nationwide.
  • - Share your account and credit limit with family members - simply sign them up for their own Refinery Supplementary Card at no extra charge
  • - We'll send you a detailed monthly statement so you can crosscheck your transactions.
  • - Your account includes a hardship benefit in the event of your death, retrenchment or temporary disability.
  • - A monthly service fee of R19.00 will be charged on account balances.

For more details, contact Tenacity Financial Services. Need time to think about it? Apply in-store when you're ready. Want it ASAP

Check your balance

Need to know your balance? Want a credit limit increase? Just use your cell phone...

Dial *120*27587#

Limit Increase
  1. 1. Press 1. for limit increase
  2. 2. Enter your card number,gross monthly income,household expenses.
  3. 3. We'll SMS you the results of your application.
Balance enquiry
  1. 1. Press 2. for balance enquiry
  2. 2. Enter your card number.
  3. 3. We'll SMS you your available credit, credit limit, balance and total payment due 
USSD rates: MTN, Cell C, Virgin Mobile, 8ta: 20c per 20 seconds.
Vodacom: 60c per 20 seconds.