Live Better

Bank Better

Everyone can get cash back just for spending

Bank Better

Points out. Money In 

Everyone can get 1.5% cash back just for spending and reaching banking goals. Get 0.5% cash back for banking and 1% for spending on your credit card. 

How it works

Step 1: Activate Live Better 

Step 2: Reach the following banking goals every month: 

1 product 

  • You must have at least one credit product (term loan, access facility or credit card), a funeral plan or fixed-term savings plan ( with a balance equal or greater than R 10 000). 
  • All your products must be in good standing, meaning no arrears 

3 debit orders 

  • All 3 debit orders must be successfully deducted from your Capitec account 
  • Disputed debit orders do not qualify 

5 Money Out app transactions  

  • Buy prepaid mobile 
  • Buy electricity
  • Scan to pay 
  • Send cash 
  • Pay a beneficiary 
  • Make a recurring/future-dated payment 

Step 3: Spend anytime, anywhere 

Once you’ve reached your banking goals, you will get 0.5% cash back on all your monthly card spend (debit, credit and virtual card).

Card transactions that qualify for cash back 

Card transactions that do not qualify for cash back

  • Scan to pay 
  • Card machine purchases 
  • Online shopping 
  • Subscriptions (e.g., Netflix) 
  • InstantEFT or Payment gateway purchases (e.g., OZOW, Pay@, Payfast) 

  • Send cash 
  • Debit orders 
  • Transfers 
  • Prepaid purchases (e.g., airtime, electricity) 
  • *120*3279# purchases 
  • ATM withdrawals and deposits 
  • Payments (e.g., EFT, QR pay me, beneficiary payment, immediate payment) 
  • Cash backs at tills 


Plus! Get an additional 1% cash back on your monthly Capitec credit card spend.  

All you need to do is click, tap, swipe or scan to pay on our app. 

What are you waiting for? Apply for a credit card now 

Click below to see how much you could qualify for. 

Look out for Live Better day, 10th of every month 

It’s like an extra payday! All your cash back will be paid into your Live Better savings account on the 10th of every month, where it will earn even higher interest.