Buy Now,

Pay Later.

Shop It Like It's Hot
With Your Card
& Only Pay Later.
Use Your Card As A Payment Method In-Store & Online
T's & C's Apply

Why should I get a Refinery Card?

  • Shop with your Refinery Card & only pay LATER!
  • Share your account with up to 5 Supplementary cardholders for FREE
  • A hardship benefit in the event of your death, retrenchment and temporary disability
  • Use your card at any Refinery, Ackermans, Tekkie Town, Shoe City and Dunns store nationwide
  • Get regular updates on our latest offerings in-store.
  • Use your store card to purchase online!

How to apply for an account

Apply for your Refinery Card online now.


Apply in-store. Remember your ID and latest 3 months’ payslips or bank statements.

Don’t want to complete any forms?
Don’t want to complete any forms? SMS your Firstname *Surname *RSA ID *Gross monthly income to 34001 and we will call you.
*Disclaimer notice - By submitting your information you will accept that your personal information will be processed as set out in the Pepkor Group of Companies’ External Privacy Statement and accessible on Privacy Policy.

How do I manage my account?

To apply for a credit limit increase – dial *120*27587# (Network rates apply)

To do a balance enquiry and confirm your instalment due, dial 0860 900 400 (SA) or 021 928 1044 (International), select the Store Card option, followed by the Balance Enquiry option.

Have your card and ID number ready.

How do I pay my account?

  • Pay at any Refinery, Ackermans, Tekkie Town, Shoe City or Dunns store.
  • Via your mobile banking app or internet banking:

We are an approved beneficiary with all banking institutions. Search for Tenacity Financial Services from the list of pre-approved beneficiaries and use your 16 digit store card number as reference:

Banking Details:
Standard Bank
Current Account
Account Name: Tenacity Financial Services
Account number: 070336342
Refer Branch number: 051001
ence number: Your 16 digit store card number

  • Pay by debit order – email us on and we will send you the necessary forms to complete.
  • Do an instant secure EFT via OZOW (SA only) CLICK HERE
  • EFT at a bank branch or enabled ATM or a cash payment at a cash-accepting ATM
  • Cash payment at a Flash trader (SA only).

If you are unable to pay your instalment, email us on or call 0860 992 222 (SA) / +27(0)21 928 1080 (NAM).
Alternatively, CLICK HERE to make a payment commitment.

Any Questions?

For any account related queries you can contact us on:
Tel: 0860 900 400 (SA) / +27 (0) 21 928 1044
Tenacity Financial Services, a division of Pepkor Trading (PTY) LTD is a registered credit provider (NCRCP 13053).

For Credit Terms and Conditions, click the below:

Refinery South Africa English Ts&Cs (pdf)

Refinery South Africa Afrikaans, isiZulu, isiXhosa and Setswana Ts&Cs (pdf)

Refinery Namibia English Ts&Cs (pdf)

Refinery Namibia Afrikaans, isiZulu, isiXhosa and Setswana Ts&Cs (pdf)