Kulula credit card applications

Before you apply for your Kulula credit card, here's some easy facts - when spending by using the Kulula credit card you earn "Kulula moolah", a pseudocurrency which can be used to purchase Kulula flights (for yourself or others). When you purchase Kulula flights with your Kulula credit card you earn a bonus amount of Kulula moolah equivalent to 3% of the cost of the flights. At the time of writing this article Kulula were offering R200 to use towards the purchase of a Kulula flight, if you spent R1000 on your Kulula credit card in the first month. Kulula moolah expires after six months (i.e. the moolah you earn in January expires in June).

Monthly spend translates into Kulula moolah as follows
spend R0 - R5 000	earn 3% back in kulula moolah
spend R5 001 - R10 000	earn 2% back in kulula moolah
spend R10 001 - R20 000	earn 1% back in kulula moolah
spend over R20 000	earn 0%

Kulula credit card applications

Kulula credit card website	www.kulula.com/info/creditcard.aspx
Telephonic applications	0860 MOOLAH 0860 666524
Applications by fax	011 352 0763
Postal address	P O Box 1420 Johannesburg 2000 Gauteng Province South Africa
Street address	Cnr Jeppe & Simmonds Street Johannesburg 2001 Gauteng Province South Africa
Email applications	KululaCardNewApplications@fnb.co.za enquiries@kululacard.com

Fees

The Kulula credit card has a complex fee structure (but to be fair, no more complex than most other banks - the exception being the Virgin Money credit card, which has a very simple fee structure).

annual fee	replacement fees
R160	R160

Payments and purchases

credit card purchases	credit card budget purchases	cheque deposit	international currency conversion
free	free	R15	2.75% of Rand value of transaction

Internet banking

electronic transfer fee	payment	smart transfer fee	sms to 3rd party	fax to 3rd party
R3	R6.50	R6.50	R0.50	R2

Cash deposits

under R200	over R200
free	R5 + 1% of the transaction value

Cash withdrawals

ATM withdrawals	Branch withdrawals	Overseas withdrawals
R10 + 1% of the transaction value, with a maximum charge of R30.	R20 + 1.05% of the transaction value, with a maximum charge of R500.	R21 + 1% of the transaction value

Cash on budget

R20 + 1.25% of the transaction value, with a maximum charge of R500.

Balance enquiries

FNB ATM	FNB Branch	International	Saswich ATM	mini ATM
free	R3	R3.15	R3.15	R3.15

Statements

Branch statement print fee	Branch mini print fee	mini ATM
R3.75	R2.10	R2.10

Account fees

Declined authorisation fee	Charges on unpaid cheque	over limit	unpaid automatic payment	late payment fee	balance transfer early settlement fee	reschedule fee
R5	R175	R175	R175	R175	R165	R50

Bank cheque administration fee	Cheque clearance fee	rejected debit order handling fee	Cash handling fee	special arrangement fee
R40	R175	R15	R11	R175

Voucher retrieval request

local voucher	International voucher
R50	R165

Kulula's partners

Kulula credit cards are issued by Firstrand Bank Limited (a registered bank,
registration number 1929/001225/06) and the other partner is Visa.

Qualifying for a Kulula card

To qualify for a Kulula credit card, you need to be at least 21 years old and earning at least R2000 a month.

Up to date information

The information on this webpage may be out of date - to get up to date information go to the Kulula website.

History of the Kulula.com Credit Card

27 Aug 2008	Kulula announces that it has issued 20,000 Kulula credit cards.
31 May 2008	Some new and already classic Kulula credit card ads
3 Mar 2008	Using Billads' services, Kulula starts advertising its credit card on the inside of bill folders.
26 Aug 2007	Kulula unveils its credit card.
18 Aug 2007	Television advertisement for the launch of the Kulula credit card.

Kulula credit card terminology

Some of Kulula's credit card terminology is quite complex. We wrote to them to help us decipher it, and here's a list of Kulula credit card terminology explained.

Legal framework

The legal framework around the Kulula credit card is governed by a terms and conditions document, which is a complex (but not impossible) read. Here's a summary of the Kulula credit card terms and conditions. Remember that Kulula.com is the trading name of a company officially known as Comair Limited (registration number
1967/006783/06).

15 Nov 2010	Kulula credit card competition - spend R10,000 and stand the chance of winning R15,000.
22 Jul 2008	As part of its 7th birthday celebrations, Kulula offers R147 in Kulula moolah to its credit card holders.
22 Jun 2008	Roll on Kulula free flight - my first Kulula Jetsetter statement indicates that I've earned R309 worth of Kulula moolah.
29 May 2008	My first Kulula credit card statement (damage assesment: R99)
27 May 2008	My Kulula PIN number has arrived.
25 May 2008	I earned my first R200 Kulula moolah.
22 May 2008	Kulula's top-notch communications with emails and sms's
19 May 2008	My Kulula credit card arrives.
12 Apr 2008	Applying for a Kulula credit card.