Best store accounts in South Africa (2026)

By the Rateweb editorial team · How we rate · Product details checked 21 Jun 2026

Compare retail store accounts on interest-free periods, fees and where you can shop. Store accounts are credit agreements under the NCA — pay in full within the interest-free window to avoid interest.

🏆 Our top picks
Best multi-brand TFG Account ★ 4.3/5 — see why ↓ Best value fashion Mr Price Money Account ★ 4.2/5 — see why ↓ Most widely accepted RCS Store Card ★ 4.1/5 — see why ↓

⭐ Ratings & awards are Rateweb's independent editorial opinion — how we rate.

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9 results
🏆 Best multi-brand Most stores

TFG Account

One account across 30+ brands — Foschini, Markham, @home, Sportscene and more.
★★★★☆
4.3/5 · How we rate
Reach4.8
Cost4.0
Rewards4.2
Flexibility4.2
30+ brands
Stores
Up to ~55 days
Interest Free
multi
Type
Pros
  • Shop across 30+ TFG brands on one account
  • Interest-free options on some plans
  • Rewards and member benefits
Cons
  • Interest after the interest-free period
  • Monthly account fees apply
View account
🏆 Best value fashion

Mr Price Money Account

Store credit across Mr Price Group — value fashion and homeware.
★★★★☆
4.2/5 · How we rate
Mr Price Group
Stores
Up to ~30 days
Interest Free
single
Type
Pros
  • Use across Mr Price Group stores
  • Simple, value-focused
  • Online and in-store
Cons
  • Interest on outstanding balances
  • Single-group network
View account

Truworths Account

Fashion store credit with flexible payment plans.
★★★★☆
4.0/5 · How we rate
Truworths brands
Stores
Plan-based
Interest Free
single
Type
Pros
  • 6 and 12-month payment plans
  • Across Truworths brands
  • Member offers
Cons
  • Interest and fees on longer plans
  • Single-group network
View account

Woolworths Account Card

Store card with WRewards and the option of interest-free terms.
★★★★☆
4.1/5 · How we rate
Woolworths
Stores
Up to ~55 days
Interest Free
single
Type
Pros
  • WRewards and Woolies benefits
  • Interest-free option (pay in full)
  • Wide Woolworths range
Cons
  • Interest if not paid in full
  • Premium pricing on goods
View account

Edgars Account

Long-standing fashion and beauty store credit.
★★★★☆
3.9/5 · How we rate
Edgars
Stores
Plan-based
Interest Free
single
Type
Pros
  • Across Edgars stores
  • Beauty and fashion focus
  • Established retailer
Cons
  • Interest on balances
  • Single-retailer network
View account

Ackermans Account

Affordable store credit for family clothing and essentials.
★★★★☆
3.9/5 · How we rate
Ackermans
Stores
Plan-based
Interest Free
single
Type
Pros
  • Value family clothing
  • Lay-by and account options
  • Wide store footprint
Cons
  • Interest on credit balances
  • Single-retailer network
View account
🏆 Most widely accepted

RCS Store Card

A store credit card accepted at hundreds of partner retailers.
★★★★☆
4.1/5 · How we rate
20,000+ outlets
Stores
multi
Type
Pros
  • Works at many retailers
  • Budget plan options
Cons
  • Interest on balances
View account

Lewis Account

Furniture and appliance store credit with instalment plans.
★★★★☆
3.9/5 · How we rate
Lewis group
Stores
single
Type
Pros
  • Spread furniture/appliance costs
  • Wide store footprint
Cons
  • Interest and cover add-ons
View account

JD Group (OK Furniture & more)

Store credit across furniture and appliance brands.
★★★★☆
3.9/5 · How we rate
JD brands
Stores
multi
Type
Pros
  • Across multiple brands
  • Instalment plans
Cons
  • Interest on credit
View account
📖 Want the full picture? Best Store Accounts in South Africa — our in-depth editorial guide. Read the guide →

Ratings are Rateweb's editorial opinion. Product details can change — always confirm with the provider before applying. Rateweb may earn a commission on some applications. This is general information, not financial advice.

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