What do you get with the Capitec credit card?

You get a personalised credit limit, 1% cash back on all you spend, free credit card delivery, low interest from prime, up to 55 days interest free on purchases when you pay your full balance by the due date, free local swipes, and credit insurance is available if you do not have your own. Verified Capitec Connect SIM users get 1GB free data every month.

How can I apply for a Capitec credit card?

You can apply online, on the Capitec app, or in a branch.

What do I need to apply for a Capitec credit card?

You need your original ID document (must be 18 years or older), your latest salary slip, and a 3-month bank statement. The minimum salary requirement is R3 000 for employed clients and R5 000 for self-employed clients.

What are the credit card rates and fees?

The initiation fee is R100 once-off and the monthly fee is R50. The interest rate ranges from 10.25% to 20.75%, based on your credit profile.

What travel benefits do I get with the Capitec credit card?

You can get local and international airport lounge visits and a dining voucher, pay less fees overseas with zero currency conversion fees, and get free travel insurance up to R5 million.

Credit Card

Apply for our Credit Card and get cash back, free Capitec Connect data and travel benefits like lounge access.

Apply now How to apply Rates and fees

What's in it for you?

Build your credit score and turn spending into saving with our Credit Card.

Unlock benefits like:

A personalised credit limit
Interest rates from prime
1% cash back on all you spend
Get 1GB free Capitec Connect data every month
Free Credit Card delivery to your door
55 days interest free
Earn interest on a positive balance
Credit Insurance is available if you do not have your own

Apply online, on our app and in-branch.

Get more travel benefits

Free local and international airport lounge visits and dining vouchers
Tap for free anywhere in the world
Free Travel Insurance up to R5 million

More about travel

What do you need to apply for our Credit Card?

Original ID document (must be 18 years or older)
Latest salary slip if you earn a salary
3-month bank statement if you don’t bank with Capitec
The minimum salary requirement for a Credit Card application is R3 000
If you’re a university student, bring your university enrolment letter to support your application

Credit card rates and fees

R100

Initiation fee

(Once-off)

R50

Monthly fee

10.50% - 21.00%

Interest rate

(based on your credit profile)

Download our free Money Guide. It's full of handy information about credit. We’ll help you work out how much credit you can afford, what interest, fees and charges you can expect, how to compare and get the best offer, and what to do if you’re struggling with your debt.

Ways to pay

Straight payments are ideal for everyday purchases you plan to settle within the interest-free period.

Pay your full outstanding balance before your next instalment due date and pay no interest
Get up to 55 days interest-free on all your purchases
Make a minimum monthly payment starting from 5% of your outstanding balance

Budget payments work well for bigger purchases you’d like to repay over a longer period.

Spread your payments over up to 48 months
Choose a repayment term that works for your budget, with fixed monthly instalments
Pay interest on the balance until it's fully repaid

Credit approved, now what?

You’ve been approved for credit! The next step is to read the documents that outline your agreement carefully.

what are the factors that affect your credit score

Credit enquiries affect your credit score

Understand the difference between hard and soft enquiries and how they could have an impact on your credit score.

Credit for multiple income earners

Did you know you could get credit if you don’t earn a fixed salary? If you're self-employed or have multiple sources of income every month, you could get up to R500 000 credit for your personal use.