How it works

Get the card

Apply online or over the phone and get your bsmart card within four days.
  • Find out in 5 minutes what your purchase limit is
  • bsmart membership is only R 63.00 per month (no hidden costs) and all the benefits
  • Get additional cards for your family members (retired parents, kids at varsity or spouse). No additional card costs
  • Cancel your membership at any time. We'll be sorry to see you go, but we're confident you'll stay

Shop at any of our 10,000 partners

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
  • Get members-only discounts
  • Use the bsmart App to find service and retail partners in your area, wherever you are
  • Pay with your bsmart App at Dis-chem and Checkers

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
  • Pay off your monthly spend in full and never pay a cent's worth of interest
  • Allow us to debit your account and be sure that you'll keep your cashback
  • Download the bsmart app on your phone and keep track of your spend and earn

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
  • Excluding fuel and prescription medicine