BC Pay | Simple & Secure Financial Services

THE SAPPHIRE LIFESTYLE

Application

Select Your Desired Outcome

Choose one of the package combinations below to continue your application.

Skip the card, I want insurance only

Sapphire lifestyle Debit Card

Seamless card and e-commerce transactions—tap-to-pay and ATM access with embedded lifestyle and funeral benefits.

Once off cost: R100

Monthly cost: R0

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Sapphire Infinity Debit Card

Designed for locals and internationals in South Africa—especially cross-border families and remittance recipients—the Sapphire Infinity Debit Card combines global spending freedom with dignified repatriation services

Once off cost: R100

Monthly cost: R0

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Sapphire Debit Card + Lifestyle Benefits

Join the Sapphire Lifestyle Club for exclusive benefits that blend convenience, rewards, and peace of mind—all for a single monthly premium of R399.

Once off cost: R100

Monthly cost: R300

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Sapphire Debit Card + Family Insurance

Bundle any of our family insurance plans with your debit card.

Once off cost: R100

Monthly cost: as per premium

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Choose Your Delivery Option

Select how you would like your card delivered.

Express Courier

Delivery within 3 - 5 working days.

Cost: R110.00 (once-off)

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Standard Courier

Delivery within 7 - 9 working days.

Cost: R60.00 (once-off)

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Your Order Summary

Selected Product: Sapphire Debit Card Only
Total Due Now: R0

Please select your nearest Pick Up Point for collection.

Search pickup location

Choose a Funeral Cover Package

Swipe or scroll sideways to see all available packages.

Legacy starter R10 000 @ R100/pm

Main Benefits:

Main member 18 -64 - R10,000.00
Spouse 18 -64 - R10,000.00
Child aged 14 to 21 years - R10,000.00
Child aged 6 to 13 years - R5,000.00
Child aged 1 to 5 years - R2,500.00
Child stillborn to 11 months - R1,250.00

Extras:

30 Free Chickens

Monthly Premium: R100.00

Select

Family pride R15 000 @R180/pm

Main Benefits:

Main member 18 -64 - R15,000.00
Spouse 18 -64 - R15,000.00
Child aged 14 to 21 years - R15,000.00
Child aged 6 to 13 years - R7,500.00
Child aged 1 to 5 years - R3,750.00
Child stillborn to 11 months - R1,875.00

Extras:

1 Free Cow
Free R5000 Cover For 4 Extended Family Members Each

Monthly Premium: R180.00

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Aurum legacy R20 000 @R216/pm

Main Benefits:

Main member 18 -64 - R20,000.00
Spouse 18 -64 - R20,000.00
Child aged 14 to 21 years - R20,000.00
Child aged 6 to 13 years - R10,000.00
Child aged 1 to 5 years - R5,000.00
Child stillborn to 11 months - R2,500.00

Extras:

1 Free Cow
20 Free Chickens
Free R5000 Cover For 4 Extended Family Members Each

Monthly Premium: R216.00

Select

Enduring legacy R25 000 @R300/pm

Main Benefits:

Main member 18 -64 - R25,000.00
Spouse 18 -64 - R25,000.00
Child aged 14 to 21 years - R25,000.00
Child aged 6 to 13 years - R12,500.00
Child aged 1 to 5 years - R6,250.00
Child stillborn to 11 months - R3,125.00

Extras:

1 Free Cow
20 Free Chickens
Free R5000 Cover For 4 Extended Family Members Each

Monthly Premium: R300.00

Select

Timeless treasure R30 000 @R360/pm

Main Benefits:

Main member 18 -64 - R30,000.00
Spouse 18 -64 - R30,000.00
Child aged 14 to 21 years - R30,000.00
Child aged 6 to 13 years - R15,000.00
Child aged 1 to 5 years - R7,500.00
Child stillborn to 11 months - R3,750.00

Extras:

1 Free Cow
30 Free Chickens
50Kg Mealie Meal
20Kg Rice
Free R5000 Cover For 6 Extended Family Members Each

Monthly Premium: R360.00

Select

Customize Your Extras

Choose additional services to personalize your package.

Personal Details

First name

Last name

National ID

Contact Details

Email Address

Mobile Number

Residential Address

Street Address

Suburb

City

Province

Postal code

Dependants Addition

Spouse Details

Spouse Name

Spouse Last Name

Spouse ID Number

Benefits Selection

Children Details (Maximum 5)

Add benefits to extended members

Select benefits per extended family member.

No extended family members have been added. Click back if you wish to add extended members.

Fica documents

Upload ID Document

Confirm Your Card Order

You're almost done! Please review your order details and submit your application.

Order Summary

Total Order Amount: R 0

View detailed cost breakdown of selected products

Payment Instructions

You will be securely redirected to Yoco secure payment gateway to complete your payment.

Please ensure you complete the payment process to avoid delays in processing your card application.

If you experience any issues during payment, contact our support at support@bimaconcepts.co.za.

I confirm that I have read and accept the Terms & Conditions.

By placing this order, you agree to all applicable charges and our terms and conditions.

Frequently Asked Questions — BC Products

Quick answers to common questions about our products and services.

1 - ✅ What Are the BC Products Qualifying Criteria?

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.

2 - 🛠️ Which Services Does Bima Concepts Offer?

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.

3 - 📝 How Do I Apply?

• Sign up directly on our website by selecting your preferred package.
• Apply via WhatsApp or our Mobile App (coming soon).

4 - 💳 How Do I Pay BC Premiums & Reload My Debit Card?

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

Sapphire Lifestyle

Fee	Amount (R)
Card fee (once-off plastic fee)	100.00
Loading fee	60.00
Monthly fee	7.00
POS purchase	1.50
Load SMS (optional)	1.50
PIN reset fee	12.50
Monthly swipe limit	80.00
Cash withdrawal at Standard Bank ATM (up to R5000) (up to R5000)	11.00
Cash withdrawal at any other ATM (up to R5000) (up to R5000)	17.50
Cash withdrawal at POS (with or without purchase) (with or without purchase)	1.40
ATM balance inquiry at Standard Bank ATM	1.70
ATM balance inquiry at any other ATM	9.50

Statement request costs

Fee	Amount (R)
30 day / 60 day statement	0.00
90 day statement	10.00
Monthly email statement	15.00
Other statement	2.50

Sapphire Infinity

Fee	Amount (R)
Card fee (once-off plastic fee)	100.00
Loading fee (20% of purchase value)	60.00
Monthly fee	25.00
Local retailer	2.50
International retailer card machine swipes (1% of purchase value)	20.00
Load SMS	2.50
Card machine decline fees locally	5.00
Card machine decline fees internationally	10.00
ATM decline fee locally and internationally	10.00
Cash withdrawal at local ATM (2% of withdrawal value)	8.00
Cash withdrawal at international ATMs	75.00
Cash withdrawal at local retailer card machines	7.50
ATM balance inquiry at local ATM	7.50
ATM balance inquiry at international ATM	10.00

Statement request costs

Fee	Amount (R)
30 day / 60 day statement	0.00
90 day statement	10.00
Monthly email statement	15.00
Other statement	2.50

Sapphire Lifestyle

Fee	Amount (R)
Card fee (once-off plastic fee)	100.00
Loading fee	60.00
Monthly fee	7.00
POS purchase	1.50
Load SMS (optional)	1.50
PIN reset fee	12.50
Monthly swipe limit	80.00
Cash withdrawal at Standard Bank ATM (up to R5000) (up to R5000)	11.00
Cash withdrawal at any other ATM (up to R5000) (up to R5000)	17.50
Cash withdrawal at POS (with or without purchase) (with or without purchase)	1.40
ATM balance inquiry at Standard Bank ATM	1.70
ATM balance inquiry at any other ATM	9.50

Statement request costs

Fee	Amount (R)
30 day / 60 day statement	0.00
90 day statement	10.00
Monthly email statement	15.00
Other statement	2.50

Sapphire Lifestyle Debit Card + Family Insurance Bundle

One card. One policy. Complete peace of mind.

Bundle any of our family funeral insurance plans with your Sapphire Debit Card and unlock a lifestyle of security, dignity, and financial freedom.

Package Pricing

Plan Name	Funeral Cover	Monthly Premium
Legacy Starter	R10,000	R100/month
Family Pride	R15,000	R180/month
Aurum Legacy	R20,000	R216/month
Enduring Legacy	R25,000	R300/month
Timeless Treasure	R30,000	R360/month

Card Activation Fee: R100 (once-off)

Choose your cover. Activate your card. Protect your legacy.

What’s Included

Sapphire Lifestyle Debit Card

Physical and virtual card options
Instant payments and cashback rewards
Use at major retailers, ATMs, and online platforms
No bank account required

Family Funeral Insurance

Up to R30,000 funeral benefit
Affordable premiums starting at R100/month
Fast, hassle-free claims process
Immediate cover for accidental death

Who’s Covered Under One Policy?

You and your spouse (including customary unions)
Children (biological, adopted, or stepchildren) up to age 21
Up to two parents/in-laws (entry age ≤ 75)
Extended family members (entry age ≤ 84)

Waiting Periods

Natural Causes: 6-month waiting period
Suicide: 12-month waiting period
Accidental Death: Immediate cover upon first premium payment

How to Get Started

Select your package from the options above
Sign up online or via WhatsApp
Activate your card and start your cover
Enjoy peace of mind for you and your loved ones

Sapphire Lifestyle

Fee	Amount (R)
Card fee (once-off plastic fee)	100.00
Loading fee	60.00
Monthly fee	7.00
POS purchase	1.50
Load SMS (optional)	1.50
PIN reset fee	12.50
Monthly swipe limit	80.00
Cash withdrawal at Standard Bank ATM (up to R5000) (up to R5000)	11.00
Cash withdrawal at any other ATM (up to R5000) (up to R5000)	17.50
Cash withdrawal at POS (with or without purchase) (with or without purchase)	1.40
ATM balance inquiry at Standard Bank ATM	1.70
ATM balance inquiry at any other ATM	9.50

Statement request costs

Fee	Amount (R)
30 day / 60 day statement	0.00
90 day statement	10.00
Monthly email statement	15.00
Other statement	2.50

Application

Select Your Desired Outcome

Sapphire lifestyle Debit Card

Sapphire Infinity Debit Card

Sapphire Debit Card + Lifestyle Benefits

Sapphire Debit Card + Family Insurance

Choose Your Delivery Option

Express Courier

Standard Courier

Your Order Summary

Please select your nearest Pick Up Point for collection.

Choose a Funeral Cover Package

Legacy starter R10 000 @ R100/pm

Family pride R15 000 @R180/pm

Aurum legacy R20 000 @R216/pm

Enduring legacy R25 000 @R300/pm

Timeless treasure R30 000 @R360/pm

Customize Your Extras

Personal Details

Contact Details

Residential Address

Dependants Addition

Spouse Details

Benefits Selection

Children Details (Maximum 5)

Add benefits to extended members

Fica documents

Confirm Your Card Order

Order Summary

Payment Instructions

Frequently Asked Questions — BC Products

1 - ✅ What Are the BC Products Qualifying Criteria?

2 - 🛠️ Which Services Does Bima Concepts Offer?

3 - 📝 How Do I Apply?

4 - 💳 How Do I Pay BC Premiums & Reload My Debit Card?

5 - 📤 How Do I Submit a Claim?

6 - ⏳ What Waiting Periods Apply?

7 - 🚚 How Long Does It Take to Receive My Card?

Application

Select Your Desired Outcome

Sapphire lifestyle Debit Card

Sapphire Infinity Debit Card

Sapphire Debit Card + Lifestyle Benefits

Sapphire Debit Card + Family Insurance

Choose Your Delivery Option

Express Courier

Standard Courier

Your Order Summary

Please select your nearest Pick Up Point for collection.

Choose a Funeral Cover Package

Legacy starter R10 000 @ R100/pm

Family pride R15 000 @R180/pm

Aurum legacy R20 000 @R216/pm

Enduring legacy R25 000 @R300/pm

Timeless treasure R30 000 @R360/pm

Customize Your Extras

Personal Details

Contact Details

Residential Address

Dependants Addition

Spouse Details Resize

Benefits Selection Resize

Children Details (Maximum 5) Resize

Add benefits to extended members

Fica documents

Confirm Your Card Order

Order Summary

Payment Instructions

Frequently Asked Questions — BC Products

1 - ✅ What Are the BC Products Qualifying Criteria?

2 - 🛠️ Which Services Does Bima Concepts Offer?

3 - 📝 How Do I Apply?

4 - 💳 How Do I Pay BC Premiums & Reload My Debit Card?

5 - 📤 How Do I Submit a Claim?

6 - ⏳ What Waiting Periods Apply?

7 - 🚚 How Long Does It Take to Receive My Card?

Spouse Details

Benefits Selection

Children Details (Maximum 5)