How to pay your credit card

Pay your Capitec credit card in your app, with up to 55 days interest-free and low interest rates on balances.

Ways to pay your Capitec credit card

You have 2 credit card payment options:

Straight payment:

Pay your full outstanding balance before the payment due date to avoid interest on your purchases
You have up to 55 days of interest-free purchases
A minimum monthly payment of 5% on your outstanding balance is required
This is the best option if you want to avoid extra costs

Budget payment:

Spread the cost of your purchases over a longer period
You have up to 48 months to pay
This gives you flexibility, but interest will be charged on the outstanding balance

Both options give you control over how you manage your payments. Choose the one that works best for your financial situation.

You’ll see a payment confirmation if the transfer was successful.

Make timely payments: Pay your credit card balance on time. Late or missed payments can negatively affect your credit score, leading to higher interest rates and additional fees
Pay your full balance: If possible, you should pay the full outstanding balance to avoid interest charges
Keep your credit use low: To avoid high interest rates, keep your credit card balance below 30% of your limit
Deposit income into your credit card account: Transfer money into your credit card so you can earn interest on your positive credit card balance
Maintain a positive balance: Make sure you have enough money in your credit account to cover monthly account fees and payments
Track your spending and set limits: Use your app to view your transaction history and set daily limits for withdrawals and card purchases. This helps you stay within your budget and avoid overspending
Review your budget regularly: Keep your budget updated to stay on top of your spending and keep up with your credit card payments