credit cards


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 or

   John Craig 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 

- Your account includes a hardship benefit in the event of your death, retrenchment
   or temporary disability.

- A monthly service fee of R15.50 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.




Check your balance

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



1. Dial *120*27587#



2. Press 1. for limit increase

2. Press 2. for balance enquiry


3. Enter your card number,

     gross monthly income,

     household expenses.

3. Enter your card number.


We'll SMS you the
results of your application.

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.