Capitec Credit Card Review: 1% Cash Back, Travel Insurance & Simple Application

Experience daily value with 1 percent cash back on every spend free Capitec card delivery and up to R5 million travel insurance. See our unbiased review and get the simple verdict.

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Capitec Credit Card

Enjoy 1% cash back on all spend, free card delivery and travel insurance of up to R5 million with easy qualifying and low monthly fees.




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The Capitec Credit Card is a popular option for South Africans looking to earn effortless rewards on every purchase. Cardholders get 1% cash back on all in-store and online spend, plus added perks like complimentary card delivery and travel insurance up to R5 million. Capitec stands out with its low fees and a user-friendly approach to credit, making it a top choice for those wanting straightforward benefits and solid value.

How to Apply for the Capitec Credit Card

  • Visit any Capitec branch or use the online application portal
  • Bring your valid SA ID, recent payslips, and proof of residence
  • Meet the minimum income requirement (as set by Capitec)
  • Complete the credit application and await your approval
  • Upon approval, get your card delivered to your address for free

Pros of the Capitec Credit Card

Capitec’s 1% cash back applies to every transaction, so you earn something back no matter where you shop. There are no complicated tier systems or reward limits, and the process of earning and redeeming is automatic.

The offering also includes industry-leading low monthly fees, making it attractive for budget-conscious consumers. Free global card delivery and robust travel insurance further add to the card’s appeal.

Cons of the Capitec Credit Card

While the cash back is flat and uncomplicated, the 1% rate may seem modest compared to some competitor cards that offer bonus rewards for specific categories or higher spenders. There are also fewer premium lifestyle perks compared to more exclusive credit cards.

The Capitec card focuses on reliable basics rather than luxury add-ons, so shoppers seeking elite airport lounge access or upgraded benefits may want to consider other options.

Our Verdict

The Capitec Credit Card is perfect for those who prioritise simplicity, reliable rewards, and affordability. It’s well-suited for daily shoppers and frequent travellers alike, thanks to the global acceptance and strong travel insurance. If you value steady benefits without high annual fees or complex rewards rules, this card offers unmatched convenience and value on the South African market.

Recommended for you

Capitec Credit Card

Enjoy 1% cash back on all spend, free card delivery and travel insurance of up to R5 million with easy qualifying and low monthly fees.




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Editorial Note

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. That said, the compensation we receive from our affiliate partners does not influence the recommendations or advice our team of writers provides in our articles or otherwise impact any of the content on this website. While we work hard to provide accurate and up to date information that we believe our users will find relevant, we cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

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