Credit card

Apply online for a credit card with up to R500 000 credit limit from prime. You get free delivery and cash back on your monthly spend.

See What You Could Get

What's in it for you?

Turn your spending into saving with our credit card!

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

Apply on our app, online or in-branch.

Here is what our credit card offers

Credit limit of up to R500 000
Get 1% cash back when you pay the smart way – use our credit card online, in-store or add it to a digital wallet like Apple, Garmin, Google or Samsung Pay
Pay less when you spend overseas with zero currency conversion fees
Interest rate from prime
Free credit card delivery to your door
Free local swipes

Additional benefits include:

Up to 55 days interest free
Safe and secure online shopping with retailers
Free travel insurance up to R5 million
Help to build your credit record
Earn 3.5% per year on a positive balance
Credit insurance is available if you do not have your own

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 R5 000 and R10 000 for self-employed clients

Rates and fees

Initiation fee	R100
Monthly fee	R50
Interest rate	11.75% - 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

Interest free – pay your full outstanding balance before the next credit card instalment due date
Up to 55 days to pay for purchases, interest-free
Minimum monthly payment of 5% on your outstanding balance

Manage your money and repay purchases over a longer term
Up to 48 months to pay

Credit approved, now what?

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

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.