Bank Better, Live Better

live better with our credit card

You get access to all your accounts and a credit limit of up to R250 000.

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Our credit card offers:

  • Personalised credit based on your profile and affordability
  • 4.75% interest per year on a positive balance 
  • Up to 55 days to pay for purchases, interest free 
  • A credit limit of up to R250 000 
  • Pay from 10% interest per year on outstanding amounts
  • Secure online purchases  
  • Cashless payments (zero fees worldwide at Mastercard® card machines, online and for telephone and mail orders) 
  • No currency conversion fees for international payments. 

Get a free credit estimate online before visiting a branch to apply.


Travel insurance

Your Capitec credit card gives you access to international travel insurance to cover any unexpected medical expenses while you’re travelling abroad. You may also opt in for comprehensive top-up cover at your own cost if additional cover is required. 

Conditions for cover: 

  • You must pay for your flight ticket in full with your Capitec credit card 
  • You must be under 75 years of age 
  • Your trip must be shorter than 90 days

Manage your credit card on our app

Our app makes managing your card easier, helping to improve your credit score and build a strong credit profile. 

  • Update your daily card limits for withdrawals and card purchases 
  • Transfer your outstanding balance from the straight to budget payment option  
  • View your credit limits and transaction history 
  • Create, view and settle your budget balance

How to apply

Visit a branch with these documents: 

  • Original identification document (must be 18 years or older). If your name and/or surname differs from your identification document, a marriage certificate, divorce court or name change letter will be required 
  • Latest salary slip  
  • Stamped bank statement showing your latest 3 salary deposits 

Note: The minimum salary requirement for a credit card application is R3 000.

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