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.

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 feeR100
Monthly feeR50
Interest rate11.75% - 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