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Discover a new level of ease and convenience with the Capitec card!
With a wide range of benefits and advantages, the Capitec card offers a flexible line of credit that fits your lifestyle.
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With a generous credit limit and exceptional service, you can enjoy competitive interest rates, a free quote linked to the card, and up to 55 days interest-free on direct purchases.
The advantageous fee policy for cardholders demonstrates Capitec’s commitment to providing convenience and clarity in all financial transactions, making it a practical and smart choice for those seeking flexibility and transparency.
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Benefits and advantages of Capitec
- Cash Back: Get 1% cash back when you pay smart – use our credit card online, in-store, or add it to a digital wallet like Apple, Garmin, Google, or Samsung Pay
- No currency conversion fee: pay less when spending abroad with no currency conversion fees
- Free delivery: free credit card delivery to your door
- Travel insurance: free travel insurance up to R5 million
- Credit history building: help build your credit history
- Positive balance: earn 3.5% per annum with a positive balance
- 55 days interest-free: up to 55 days interest-free on your purchases
Rates and tariffs
The card requires an initiation fee of R100 upon joining. In addition, interest rates range from 11.75% to 22.25%, depending on the customer’s credit profile. These fees are essential to ensure transparency and clarity in the costs associated with using the card.
Minimum income
To be eligible for a credit card, applicants must meet the specified minimum income requirements. For salaried individuals, the amount required to obtain the card is R5,000. Self-employed customers must have a minimum income of R10,000.
Annuity
The card has a monthly annuity fee of R50, granting access to a range of exclusive benefits and services.
Card limit
The Capitec card provides customers with a generous credit limit of up to R500,000. This personalized limit offers cardholders the advantage of making higher-value purchases and financial transactions with ease and confidence.
How to apply for Capitec
To open your account, go to a physical branch or follow these steps:
Download the Capitec app from your app store
Click on “Register”
Fill in your personal details
Wait for your request to be processed
Contact Capitec
For personal banking: 0860 10 20 43
