The Capitec Credit Card makes rewards simple, offering 1% cash back on all in-store and online purchases in South Africa and globally. With free card delivery and comprehensive travel insurance up to R5 million, it remains a popular option for consumers seeking maximum everyday value. Capitec is recognised for its low monthly fees, wide accessibility, and straightforward, transparent approach to banking.

How to Apply for Capitec Credit Card

Applying for the Capitec Credit Card is a quick process:

• Ensure you have a South African ID and are 18 years or older
• Verify your latest proof of income and residential address
• Visit your closest Capitec branch or start your application online
• Complete the digital application with your personal and financial details
• Wait for approval, then arrange for free card delivery or pick up in-branch

Pros of Capitec Credit Card

The 1% cash back is credited automatically, making rewards effortless and guaranteed every month. The card’s travel insurance of up to R5 million provides great peace of mind, especially for frequent travellers. Low service fees keep overall costs down for everyday users.

The application process is streamlined, and Capitec’s strong customer support ensures an easy card management and service experience.

Cons of Capitec Credit Card

While a flat 1% cash back is reliable, it can be lower compared to some rivals that offer higher returns in specific categories like travel or groceries. The Capitec Credit Card also lacks a tiered reward system or luxury perks offered by premium cards.

Those looking for extensive lifestyle, concierge, or travel partnerships might find the benefits more basic compared to high-end alternatives.

Our Verdict

The Capitec Credit Card is an outstanding pick for South Africans who want consistent cash back, free card delivery, and solid travel protection with no fuss. While it does not offer as many premium perks as some competitors, it’s a reliable everyday credit card for budget-conscious users seeking tangible rewards. Capitec’s offer strikes the ideal balance between affordability, simplicity, and valuable cashback—making it a compelling choice.