Capitec Credit Card
Apply for a Capitec Credit Card and make the most of its rewards
LOAN OPTION
Have you thought about whether a credit card could help you save a little while you spend?
That’s one reason many people take a closer look at the Capitec Credit Card.
Designed for everyday use, it combines flexible credit with rewards that can add extra value to your monthly spending.
Cardholders can earn cash back, receive free mobile data each month and use a range of travel-related benefits.
You can apply simply: online, through the app or at a branch.
If you’re looking for a credit card that balances affordability, convenience and rewards, these are the Capitec Credit Card details worth knowing.
Capitec Bank Credit Card
APPLY NOWRequirements
When you apply for a Capitec Credit Card, you will usually need to:
- Be at least 18 years old
- Hold a valid South African ID or have legal residency
- Earn a monthly salary of at least R3,000
- Satisfy Capitec's affordability requirements
- Have an acceptable credit profile
You might also need to submit:
- Your most recent payslip
- Three months' bank statements if you are not a Capitec client
- Extra supporting documents if requested
- A university enrolment letter if you are applying as a qualifying student
Advantages
Earn 1% cash back on qualifying spending
Receive 1GB of free Capitec Connect data every month
Up to 55 days interest-free on qualifying purchases
Access to airport lounge benefits and travel perks
Free delivery of your credit card
How to apply
The Capitec Credit Card application process is designed to be quick and straightforward.
- Start your application
Apply online, through the Capitec App or at your nearest branch. - Choose your credit card option
Select the credit card that best suits your needs. - Provide your personal information
Complete the required details about your identity, employment and income. - Submit your supporting documents
Upload or provide any documents requested as part of your application. - Complete the identity verification
Capitec will verify your identity and assess your application. - Receive your personalised offer
Review your available credit limit, interest rate and applicable fees. - Accept the offer
Confirm the agreement if you are happy with the terms and conditions. - Receive your card
Once your application has been approved, your credit card will be issued and delivered.
Available card features
Cash Back Rewards
The Capitec Credit Card lets you earn 1% cashback on eligible purchases.
This means that everyday spending can put money back into your pocket when you use your card responsibly.
Free Monthly Data
Cardholders receive 1 GB of free Capitec Connect data every month.
This added benefit is especially valuable for customers who already use Capitec's mobile services.
Interest-Free Purchases
You can enjoy up to 55 days interest-free on eligible purchases, provided you manage your account in line with the card's terms and conditions.
This feature can help you manage your short-term cash flow more effectively.
Travel Benefits
The card also includes several travel-related perks.
Benefits could include:
- Complimentary visits to local and international airport lounges
- Dining vouchers for participating airport locations
- Free travel insurance cover up to R5 million
- Tap-to-pay functionality available worldwide
Positive Balance Interest
Unlike many traditional credit cards, Capitec allows cardholders to earn interest on positive balances held in their credit card account.
Credit Insurance
Customers who do not have their own qualifying cover can choose available credit insurance options for added protection.
Amounts and terms
The Capitec Credit Card offers personalised credit facilities based on your financial profile.
- Minimum income requirement: R3,000 per month
- Credit limit: Personalised, with qualifying customers potentially able to access up to R500,000 across Capitec credit products
- Initiation fee: R100 once-off
- Monthly fee: R50
- Interest rate: Generally between 10.50% and 21.00% per year
- Interest-free period: Up to 55 days for qualifying purchases
Your final credit limit and pricing are determined by:
- Income and affordability
- Current financial commitments
- Credit history
- Overall risk assessment
FAQ:
Card features
- Provider: Capitec Bank
- Card type: Credit card
- Minimum income: R3,000 per month
- Monthly fee: R50
- Once-off initiation fee: R100
- Interest rate: From 10.50% to 21.00%
- Interest-free period: Up to 55 days
- Rewards: 1% cashback and free monthly data
- Application: App, online or branch
- Best suited for: Everyday spending, travel benefits and rewards
Useful Contacts
- Consultas gerais: 0860 10 20 43
- WhatsApp: 067 418 9565
- Site: https://www.capitecbank.co.za/
Our top takeaway for you
The Capitec Credit Card stands out as an interesting option for people who want more than just access to credit.
The combination of cashback rewards, free monthly data and travel benefits helps the card stand apart from many entry-level credit cards available in the market.
The relatively low income requirement also makes it more accessible, allowing more consumers to qualify compared to many premium credit cards.
If you are looking for a credit card that offers practical everyday value and useful travel benefits, the Capitec Credit Card is worth considering.
Reference sources
https://www.capitecbank.co.za/personal/credit/credit-card/
https://www.capitecbank.co.za/
