Why choose our credit card?

Low fees and more value for you

Our low-fee credit card takes a different approach with transparent, low fees and everyday benefits that put money back in your pocket.

What you pay:

• A low once-off R100 initiation fee and a R50 monthly account fee
• A low interest rate based on your credit profile

What you get:

• 1% cash back on every purchase in-store or online, paid into your Capitec Rewards savings on the 10^th of every month
• Your cash back is real money to save or spend – you choose
• 1GB free monthly Capitec Connect data with your verified Connect SIM
• Up to 55 days interest-free on purchases
• Earn interest on a positive balance
• Free travel insurance up to R5 million when you buy your ticket with your credit card
• No currency conversion fees when you use your credit card overseas
• Exclusive discounts and cash back from our Rewards partners like Dis-Chem, Uber One and more

Why our credit card stands out

Our transparent approach means:

• More of your money stays with you: Lower fees mean instant savings that add up over time
• Real value for your rand: You get access to great benefits like cash back and free data without the high fees you might find elsewhere
• Simple and predictable: Know exactly what you're paying each month, with no hidden surprises

How to choose a credit card

When choosing a credit card, consider:

• Interest rates and fees: Look for cards with low interest rates and fees to keep costs down
• What you’ll use it for: Whether it’s for emergencies, everyday spending or rewards, make sure the card fits your lifestyle and needs
• Your credit profile: Your income and credit score affect what credit card you qualify for
• The type of rewards: Pick a card with rewards you’ll actually use, like cash back on everyday purchases or free data

What you need to get our credit card

• Your original ID document (you must be 18 or older) 
• Your latest salary slip 
• A 3-month bank statement (if your salary isn’t paid into your Capitec account) 
• A minimum monthly salary of R3 000 or R5 000 if you're self-employed

How to apply for our credit card

Apply on our app:

1. Sign in on our app
2. Tap Explore and then Credit
3. Tap Credit card
4. Tap Get Estimate and follow the on-screen instructions

Apply online:

1. Go to our credit estimate page
2. Click Get Estimate and follow the on-screen instructions

Apply at a branch:

If you prefer to apply in person, you can visit a branch.

What happens after you apply

• If you qualify, you’ll get a personalised credit offer based on your credit profile
• If you clicked I am Interested after completing your online estimate, an agent will call you to complete the full application process
• The agent will confirm if you want your credit card to be delivered or collected at a branch
• Your credit card will be delivered within 3-5 business days
• To activate your card, simply call our call our 24hr Client Care Centre on 0860 10 20 43

How to save money with a credit card

You can save money with a credit card if you use it wisely:

• Use your credit card for everyday spending to earn your cash back
• Pay your full balance within 55 days to avoid interest
• Don’t use your credit card for cash withdrawals or EFT payments
• Avoid late payments
• Use your free data to save on data costs
• Stick to purchases you can afford to repay quickly
• Set card limits to avoid overspending
• Keep available credit for emergencies

Start earning cash back today

Simplify how you earn rewards and make your money go further with our credit card.

Apply online, on our app or at a branch to start earning 1% cash back on what you already spend.