Credit card

Apply for a credit card with a personalised credit limit. Get free card delivery, cash back on all you spend and free Capitec Connect data

Apply now How to Apply Rates and Fees

What's in it for you?

Turn your spending into saving with our credit card, just like that!

Get cash back, pay less when you spend overseas with zero currency conversion fees, interest from prime and much more.

Apply online, on app and in branch

Here’s what we offer

A personalised credit limit
Get 1% cash back on all you spend – use our credit card online, in-store or add it to a digital wallet like Apple, Garmin, Google or Samsung Pay to make payments
Get 1GB free Capitec Connect data every month on your verified Connect SIM
Low interest rate from prime
Free credit card delivery to your door
Up to 55 days interest free
Earn interest on a positive balance
Help to build your credit record
Free local swipes
Credit insurance is available if you do not have your own

Get more travel benefits

Pay less fees when you spend overseas with zero currency conversion fees
Free travel insurance up to R5 million

Capitec reserves the right at its sole and absolute discretion, from time-to-time, to change or to terminate Live Better immediately or with notice.

What do you need to apply?

Original ID document (must be 18 years or older)
Latest salary slip
3-month bank statement
The minimum salary requirement for a credit card application is R3 000 and R5 000 for self-employed clients

Rates and fees

Initiation fee	R100
Monthly fee	R50
Interest rate	11.25% - 22.25% (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.