Set your payment priority on the ZA Card / ZA Credit page of the ZA Bank App by choosing between account balance or ZA Credit.

When ZA Credit is set as priority: Purchases are charged to your ZA Credit limit first. If your ZA Credit limit is insufficient, the payment method will be switched to your account balance.

When account balance is set as priority: Purchases are charged to your account balance first. If your account balance limit is insufficient, the payment method will be switched to ZA Credit.