How it works

Get the card

Apply online or via telephone.
  • Find out in less than 10 minutes what your limit is
  • bsmart membership is R120.00 per month (no hidden costs)
  • Get additional cards for your family members (retired parents, kids at varsity or spouse). No additional card costs apply

Shop at any of our 12 000 stores

Use the card to buy what you usually would, at the place you know and love.
  • Keep on using your existing loyalty cards, like your Smart Shopper card, Clicks Club card, Dis-chem card and WRewards card with the bsmart card
  • Use the bsmart App to find service and retail stores in your area, wherever you are

Settle your account, in full, every month

Keep your cashback by settling your account in full every month.
  • We care about our members' financial wellness. We'll never encourage you to spend more than you can afford
  • Settle your monthly spend in full and never pay a cent's worth of interest
  • Late or short payments will result in you losing your cashback for the month

Get cash back!

Get cash back on everything you buy. 
  • Find out how much you can save with our free calculator
  • We'll help you to maximise your cashback
  • You can choose to get cash back once a year, in November, or once every three months
  • Your cash is yours to do with as you please, whether you want to spend it, save it, or donate it
  • Or, spend your cash back bonus at our participating retailers to earn cash back on your cash back
  • Cashback is not paid on fuel and prescription medicine