Everything you need to apply for an Edgars account in 2026 — how the credit limit works, the exact requirements, how to apply, and an honest read on how easy it is to get.
The Edgars account lets you shop fashion, beauty and homeware at Edgars, with the account issued and managed by RCS. Because it's an RCS card, it can also be used at a range of partner retailers.
Because it's regulated credit, every application triggers a credit check — so it's worth knowing whether you'll qualify before you apply.
Edgars sets your credit limit individually, based on your income and an affordability assessment under the National Credit Act. There is no fixed or publicly advertised limit range — your limit is decided when you apply and can change over time with your repayment history.
Up to 6 months interest-free on Edgars in-store purchases (a 3-month plan is also offered), subject to availability — Edgars has noted a delay reinstating the 6-month plan. Interest-free does not apply at other retailers where the card works.
To open an Edgars account you'll generally need:
No retailer can guarantee approval, and neither can we. Meeting these requirements puts you in the strongest position — the final decision rests on your credit profile and affordability.
You can usually apply online, by phone or in-store. Online is fastest — most applicants get a decision quickly.
Have your SA ID, latest proof of income and bank statements ready as photos or PDFs.
Apply on Edgars's official channel, in-store or by phone, and complete your details.
You'll agree to an affordability assessment and credit check — a legal requirement under the NCA.
If approved, your credit limit is set and your account is ready to use.
Ready to apply? Go to the Edgars account (managed by RCS)
This link goes to the retailer’s own official application — we don’t earn a commission on it and don’t process your application.
Like all NCA-regulated store accounts, an Edgars account carries a monthly service fee, an initiation fee on opening, optional credit-life insurance, and interest on balances outside any interest-free window. The exact rands are disclosed in your credit agreement before you sign — read that carefully.
At Edgars — and because it's an RCS card, also at partners such as Pick n Pay, Checkers, Game and Makro, plus airtime, data and electricity purchases.
It's issued and managed by RCS (RCS Cards (Pty) Ltd, NCRCP38). The Edgars retail brand is owned by Retailability, but the account itself is an RCS product.
Both Edgars and RCS state you must be employed and earn R2,000 or more per month, and pass an affordability assessment.
Up to 6 months interest-free applies to Edgars in-store purchases only and is subject to availability — Edgars has noted a delay reinstating the 6-month plan. It doesn't apply at other retailers.
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