Open my info

my finds

remove bookmarks
    You don't have any bookmarks saved. Click the star icon on a panel to add it to your bookmarks. Your bookmark has been saved. Bookmark removed.

    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.

    Live better with our credit card

    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 
    • Original proof of residential address (e.g. municipal rates and taxes account in your name with your street address, not older than 3 months)  
    • 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.

    Was this article helpful?

    #RethinkBlackFriday

    #rethinkcredit this black friday

    Excited about Black Friday? Deciding if your purchase would benefit you in the long run should be the first question you ask yourself before you buy.

    Read now
    Getting Credit For The Right Reasons

    getting credit for the right reasons

    Capetonian Mannee Govender used credit from Capitec to save on his water bill and expand his ready-meal business.

    Read now
    Credit Cards Or Retail Accounts, Which Is Better?

    credit cards or retail accounts, which is better?

    Credit cards and retail accounts make it possible for us to shop with ease and pay in instalments. But which is better?

    Read now
    Update and build a solid Credit Record

    here’s how to get your credit record into shape

    Guidance and advice from Capitec on how to build a solid credit record

    Read now