The Vision
A dynamic payment fulfilment solution offering local and international debit and virtual cards. Geared toward individuals who need fast, flexible payment options with lifestyle perks bundled into one card solution.
Payment Fulfilment Engine
Transact physically and online
Real-time issuance
Virtual and physical debit cards
Multi-currency wallets
ZAR and other currencies
Onboarding
Seamless KYC/AML process
API-first architecture
Merchant & partner integrations
Lifestyle Bundling
Bundle with a funeral cover
Retail perks
Discounts, rewards & Cashbacks
Insurance
Funeral & accidental death cover
Tiered perks
Based on usage and referrals
The Solution
Sapphire Lifestyle Debit Card
Sapphire Infinity Debit Card
Physical Debit Card
Daily Transactions
Spend, Receive, and Pay
Virtual Debit Card
Online purchases & subscriptions
Instantly issued via app
FX Debit Card
Global Payments and Tourist Spending
Delivery: On-demand
Packed With Latest Features
- Load funds easily via EFT (FNB & Capitec)
- Or Major retailers like:
- Shoprite stores
- Usave stores
- Checkers stores
- House and Home
- OK Furniture stores
- Post Office
Physical & Virtual Debit Cards
Valid for 5 years
Secure Transactions
EMV chip, PIN & 3D Secure
Reloadable & Tap-to-Pay
Use with contactless machines
Global E-Commerce
Shop online locally or globally
ATM & POS Access
Local & international transactions
SMS Notifications
Real-time inContact alerts
Quick Onboarding
Limited FICA required
Easy Withdrawals
At ATMs & participating retailers
High Load Limits R50K+
R50K+ (Lifestyle), R100K+ (Infinity)
Card distinct features
Each card is uniquely designed to serve different lifestyles — whether you're after flexibility or repatriation support.
Sapphire Lifestyle Debit Card
Sapphire Infinity Debit Card
Frequently Asked Questions — BC Products
Quick answers to common questions about our products and services.
To access BC services, you must meet the following requirements:
• Be 18 years or older.
• Hold a valid South African ID or Passport.
• Foreign nationals must provide a valid passport or authorized residency
documents.
1. Funeral Cover
Cash pay-outs of up to R50,000 for dignified send-offs.
Tailored plans for individuals and families.
2. BC Pay
Physical and virtual debit cards.
Cashback rewards, lifestyle perks, and instant payments.
3. BC Business Solution
White-label platform for funeral operators and repatriation partners.
CRM, payment fulfilment, and cross-border support.
• Sign up directly on our website by selecting your preferred package.
• Apply via WhatsApp or our Mobile App (coming soon).
You can pay your policy premiums or reload your BC Pay card using the following
methods:
1. EFT (Electronic Funds Transfer)
Supported banks:
- FNB
- Capitec
2. In-Store Payments at Major Retailers
- Shoprite
- Usave
- Checkers
- House & Home
- OK Furniture
- South African Post Office
• Email your claim documents to: claims@bimaconcepts.co.za
• Or use our online Claim Submission Form.
Our claims team will follow up via your selected communication channel.
• Natural Causes: 6-month waiting period.
• Suicide: 12-month waiting period.
• Accidental Death: Immediate cover upon first premium payment.
Standard Courier: Delivery within 7–9 working days.
Express Courier: Delivery within 3–5 working days.