Discover a new level of ease and convenience with the Capitec card!
With a wide range of benefits and advantages
With a generous credit limit and exceptional service, you’ll have at your disposal a flexible line of credit that fits your lifestyle.
The Capitec card offers a range of unique benefits such as competitive interest rates, a free quote linked to the card and the advantage of up to 55 days interest-free on direct purchases.
With a highly advantageous fee policy for cardholders, Capitec demonstrates its commitment to providing convenience and clarity in all your financial transactions.
About the Capitec
Have confidence and security when using your Capitec card, an ideal choice for those looking for practicality
With the ability to build a solid credit history, the Capitec card is the smart choice for those who value transparency, security and excellence in financial services.
Enjoy a satisfying user experience aligned with your financial needs, all backed by a trusted institution like Capitec.
Capitec Credit Card offers a flexible financial solution for customers in South Africa. With this card, you can manage your finances with ease and have complete control over your spending, thanks to an intuitive user interface and financial management tools.
One of the main attractions of the Capitec Credit Card is its competitive interest rates. Compared to other credit cards on the market, the Capitec Credit Card offers lower rates, allowing you to save money on interest and manage your debts more effectively.
Although known for its simplicity, the Capitec Credit Card still rewards its users. With every transaction, you accumulate points that can be exchanged for a variety of rewards, including discounts at selected partners and direct cashback to your account.
Security is a priority with the Capitec Credit Card. Equipped with chip and PIN technology, this card ensures that your transactions are secure. Additionally, the bank offers continuous monitoring and real-time notifications to alert you to any suspicious activity.
Capitec stands out for its digital approach. The Capitec mobile app allows you to monitor your spending, pay bills, and even block or unblock your card directly from your smartphone. This digital management makes using the card more convenient and secure.
The Capitec Credit Card combines flexibility, security, and attractive benefits, making it an excellent choice for those seeking an efficient and easy-to-use credit card in South Africa.
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 positive balance
55 days interest free: up to 55 days interest free on your purchases
Rates and tariffs
The card has an initiation fee of R100 at the time of joining. In addition, interest rates range from 11.75% to 22.25%, depending on the customer’s credit profile. These infractions are essential to ensure transparency and clarity in the fees associated with the use of the card
Minimum income
To apply for a credit card, it is necessary to meet the established minimum income requirements. In the case of the minimum wage, the amount required to obtain the card is R5,000. For self-employed customers, the minimum income required is R10,000.
Annuity
The card’s annuity is R50 per month, a fee that guarantees access to a variety of exclusive benefits and services associated with the card.
Card limit
The Capitec card offers its customers a generous credit limit of up to R500, 000. This personalized limit is a significant advantage for cardholders, allowing them to make higher-value purchases and financial transactions with peace of mind and convenience.
How to apply for Capitec
To open your account go to a physical agency or follow the steps:
- Download the Capitec app from your app store
- Click on ” Register”
- Fill in your personal details
- Wait for your request to be answered
Talk to Capitec
Contact Capitec:
For personal bank 0860 10 20 43
