Capitec Credit Card
Apply for a Capitec Credit Card and enjoy rewards
LOAN OPTION
Have you ever wondered whether a credit card could actually help you save while you spend?
That's one of the reasons many people consider the Capitec Credit Card.
Designed for everyday use, it combines flexible credit with rewards that can add value to your monthly spending.
Cardholders can earn cash back, receive free monthly mobile data and enjoy a range of travel-related benefits.
The application process is straightforward and can be completed online, through the app or at a branch.
If you're looking for a credit card that balances affordability, convenience and rewards, here's what you need to know about the Capitec Credit Card.
Capitec Bank Credit Card
APPLY NOWRequirements
To apply for a Capitec Credit Card, you'll generally need:
- Be 18 years or older
- Have a valid South African ID or legal residency
- Earn a minimum monthly salary of R3,000
- Meet Capitec's affordability requirements
- Have a satisfactory credit profile
You may also be required to provide:
- Your latest payslip
- Three months' bank statements if you do not bank with Capitec
- Additional supporting documents if requested
- A university enrolment letter if 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
Applying for a Capitec Credit Card is designed to be quick and convenient.
- Start your application
Apply online, through the Capitec App or at your nearest branch. - Select your credit option
Choose the credit card solution that best suits your needs. - Provide your personal information
Complete the required details about your identity, employment and income. - Submit supporting documents
Upload or provide the necessary documentation. - Complete identity verification
Capitec will confirm your identity and assess your application. - Receive your personalised offer
Review your available credit limit, interest rate and fees. - Accept the offer
Confirm the agreement if you're satisfied with the terms. - Receive your card
Once approved, your credit card will be issued and delivered.
Available card features
Cash Back Rewards
The Capitec Credit Card allows you to earn 1% cash back on qualifying spending.
This means everyday purchases can help you earn money back while using your card responsibly.
Free Monthly Data
Cardholders receive 1GB of free Capitec Connect data every month.
This benefit adds extra value for customers already using Capitec's mobile services.
Interest-Free Purchases
You can enjoy up to 55 days interest-free on qualifying purchases when your account is managed according to the card terms.
This feature can help with short-term cash flow management.
Travel Benefits
The card includes a variety of travel-related perks.
Benefits may include:
- Complimentary local and international airport lounge visits
- Dining vouchers at participating airport locations
- Free travel insurance cover of up to R5 million
- Worldwide tap-to-pay functionality
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 may choose available credit insurance options for additional 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 accessing up to R500,000 across Capitec credit products
- Initiation fee: R100 once-off
- Monthly fee: R50
- Interest rate: Typically between 10.50% and 21.00% per year
- Interest-free period: Up to 55 days on qualifying purchases
The final credit limit and pricing depend on:
- Income and affordability
- Existing 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
- Initiation fee: R100 once-off
- Interest rate: From 10.50% to 21.00%
- Interest-free period: Up to 55 days
- Rewards: 1% cash back and free monthly data
- Application: App, online or branch
- Best suited for: Everyday spending, travel benefits and rewards
Useful Contacts
- General Enquiries: 0860 10 20 43
- WhatsApp: 067 418 9565
- Website: https://www.capitecbank.co.za/
Our top takeaway for you
The Capitec Credit Card is a compelling option for people who want more than just access to credit.
The combination of cash back rewards, free monthly data and travel benefits helps distinguish it from many entry-level credit cards on the market.
Its relatively low income requirement also makes it accessible to a wider range of consumers compared to premium credit card products.
If you're looking for a credit card that offers practical everyday value alongside useful travel perks, the Capitec Credit Card is certainly worth considering.
Reference sources
https://www.capitecbank.co.za/personal/credit/credit-card/
https://www.capitecbank.co.za/
