Credit Cards

Cotton On Credit full review: should you get it?

Get discounts for applying for this card, points every year on your birthday and discounts. Learn more about the Cotton On Credit! Keep reading!


Cotton On Credit: enjoy 6 interest-free months!

Cotton On logo
Cotton On Credit full review. Source: Foster the Money

Cotton On Credit offers advantages that no other store card offers. Also, you can enjoy rewards and discounts and multiple stores simultaneously.

Cotton On logo

Cotton On Credit: check out how to apply!

Apply to Cotton On Credit to save hundreds of Rands on all your purchases with 6 months at 0% interest rate!

So keep reading our full review and learn more about this card below!

Monthly IncomeMinimum R1,000;
Monthly FeeNot disclosed;
Initiation FeeNot disclosed;
Interest Rate0% in the first 6 months. After that, up to 24.50% per year;
RewardsR1,000 worth in vouchers to spend at Cotton On and their partner brands.

Cotton On Credit: learn more about this financial product

Cotton On Credit is one of the best store card options. After all, this is one of the few cards available in the country that offers 6 months interest-free.

That way, you can make purchases and spread them out in small monthly payments with peace of mind.

Also, as a welcome, you receive R1,000 points. You can use them to get exclusive discounts.

Also exclusive are the offers you can access when you become a customer of this card. In addition, you will receive gifts every year on your birthday.

Cotton On Credit features

Side view of beautiful woman using her phone indoors.
Cotton On Credit features. Source: Adobe Stock

Customers loyal to a particular brand can reap significant benefits from store cards.

However, it’s important to be aware of the limitations associated with these cards before applying for one.

To find out more, look at the following lists detailing the main advantages and disadvantages of this type of credit product!

What are the benefits?

  • Access the members’ area to receive exclusive offers and birthday rewards;
  • 6 months interest-free;
  • 1,000 welcome points;
  • Order extra cards for up to 3 family or friends members to multiply your reward program earnings.

And what are the drawbacks?

  • Your vouchers may expire if not used within the specified period;
  • You need to accumulate a minimum spend of R200 before redeeming your rewards;
  • This card can only be used in the five affiliated stores;
  • You will not be rewarded if you shop at stores affiliated with this card outside South Africa.

What are the requirements to apply?

Indeed, Cotton On Credit applications are typically uncomplicated and have a high chance of approval.

The followings are the primary requirements and necessary documents to know:

  • Valid identification, such as an SA Identity document or Drivers License;
  • Age 18 or older;
  • Monthly income of R 1,000 or higher;
  • Most recent payslips or bank statements.

How does the application process work?

Enjoy 6 months of interest-free and endless rewards with the Cotton On Credit. To do so, find out how to apply for your card in the following post!

Cotton On logo

Cotton On Credit: check out how to apply!

Apply to Cotton On Credit to save hundreds of Rands on all your purchases with 6 months at 0% interest rate!

About the author  /  José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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