RCS Credit Card Contact Details

RCS card queries go to 0861 729 727 (0861 SAY RCS) or rcscards@rcsgroup.co.za. Credit card enquiries sent through the RCS contact form are routed to RCSCreditCard@rcsgroup.co.za, and fraud is on 021 597 4970. Note that RCS has discontinued its credit card. We read these details on rcs.co.za on 23 September 2026.

The RCS Credit Card has been discontinued

RCS says it has discontinued the RCS Credit Card programme, and that from 30 September 2025 the card can no longer be used for purchases or cash withdrawals. It also says card holders remain liable for the outstanding balance owed on the card. So if you are looking for an RCS credit card contact number, you are almost certainly phoning about a closing balance, a settlement figure or a statement rather than about a new card.

RCS still offers the RCS Store Card, personal loans, insurance and Mobicred, all on the same customer service number.

RCS credit card contact number

Customer service	0861 729 727
Fraud and scams	021 597 4970
Insurance	021 597 4000 or 0861 729 727
Card enquiries email	rcscards@rcsgroup.co.za
Credit card enquiries email	RCSCreditCard@rcsgroup.co.za
Loan enquiries email	loanscustomerservice@rcsgroup.co.za
Insurance and policy email	policies@rcsgroup.co.za
Fraud reports email	investigations@rcsgroup.co.za
Head office	Mutualpark, Jan Smuts Drive, Pinelands, Cape Town, 7405
Postal address	PO Box 111, Goodwood, 7459

The contact form on rcs.co.za routes your message by the reason you pick: general enquiries and cards go to rcscards@rcsgroup.co.za, credit card to RCSCreditCard@rcsgroup.co.za, loans to loanscustomerservice@rcsgroup.co.za and insurance to claims@rcsgroup.co.za. Give your account or card number on the form so the reply comes back with something useful.

Settling and closing an account

RCS sets out the closing process like this: phone 0861 729 727 to say you want to close the account and follow the automated prompts; RCS sends you a settlement letter with the amount; the amount is valid for five days; the account can only be closed once it is settled; and you get written confirmation once the payment is in, provided it is within those five days. If you miss the five-day window you have to ask for a fresh settlement figure.

Checking a balance or statement

• On the monthly statement RCS sends you.
• On the RCS App.
• On the Self Service portal on rcs.co.za, under “available credit”, where you can also download the latest statement and change the email address your statement goes to.
• By dialling *120*727*card number*# from your phone, using the 19-digit card number.

RCS says that if an emailed statement bounces, it sends the statement by SMS instead. You can also change your statement email address by calling 0861 729 727.

Paying the balance

RCS lists several payment routes: the RCS App or the Self Service portal, EFT from your own bank, debit order, EasyPay using the number on your statement, and cash at a range of retailers. Take the EFT beneficiary details from your own statement or from the payment page on rcs.co.za rather than from an email or an SMS, and always use your 19-digit RCS account number as the reference, otherwise the payment is not allocated to your account.

In-store payments can be made at Pick n Pay, Game, Makro, Builders, Foschini, Total Sports, Markham, Galaxy & Co, SportScene, Relay Jeans, @home, Exact, American Swiss, Fabiani, The Fix and Sterns. To set up a debit order, phone 0861 729 727.

If you cannot pay, or suspect fraud

• Struggling with the instalment: RCS asks you to call 0861 729 727 so it can look at options with you.
• Fraud on your account, or a scam using the RCS name: email investigations@rcsgroup.co.za or call 021 597 4970.
• Insurance claims and policy questions: policies@rcsgroup.co.za, or 021 597 4000.
• RCS is a registered credit provider, NCRCP 38, and an authorised financial services provider, FSP 44481. Those numbers are on its own site, so you can check that whoever is contacting you is quoting the real ones.

What RCS still offers

RCS describes itself as a consumer finance business offering cards, loans and insurance. The RCS Store Card can be applied for at selected retailers, and comes with a DigiCard, a digital card in the RCS App that you can shop with online before you collect the physical card. Mobicred, the online revolving credit account, is powered by RCS Cards; Mobicred settlement letters are requested from customerservice@mobicred.co.za rather than from the RCS card team.

Sources

• RCS, Contact us: rcs.co.za/about/contact-us (read 23 September 2026)
• RCS, Frequently asked questions: rcs.co.za/faq (read 23 September 2026)