Capitec Credit Card Review: Cashback, Free Delivery and No Currency Fees

Learn why the Capitec Bank Credit Card is ideal for South Africans looking for low rates, personalised limits, 1% cashback on spending, free delivery to your door, and no foreign currency fees. Read our review.

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Capitec Bank Credit Card

Low rates from prime, personalised credit limits, 1% cashback, free card delivery and zero currency conversion fees make this card stand out.




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The Capitec Credit Card stands out in South Africa for its competitive features and straightforward approach. You get a personalised credit limit, a low interest rate from 10.50% up to 21.00% (based on your credit profile), and plenty of practical benefits. The card comes with a 1% cashback on all purchases, free card delivery to your door, and complementary Capitec Connect data every month. Even more impressive, you avoid any currency conversion fees when using your card abroad and can enjoy up to 55 interest-free days.

How to Apply for the Capitec Credit Card

Applying for the Capitec Credit Card is a process tailored to be simple. First, ensure you have your original ID, latest payslip, and a three-month bank statement. You must be at least 18 years old and earn a minimum monthly salary of R3,000 (R5,000 if self-employed). Once you have your documents, you can apply online, on the app, or at any Capitec branch. After submission, wait for approval and your card will be delivered at no extra cost.

Capitec Credit Card Pros

This credit card gives you flexibility and convenience with its personalised credit limits and straightforward eligibility. The 1% cashback feature adds great value for everyday spenders, effectively putting money back in your pocket. Free card delivery, zero foreign transaction fees, and free Capitec Connect data make it even more appealing for a diverse customer base.

Capitec Credit Card Cons

A potential drawback is the requirement for a minimum salary, which may not suit everyone. Self-employed applicants face a higher income threshold too. Also, the maximum interest rate of 21% might be uncompetitive for those with excellent credit profiles. While the cashback is welcome, 1% may not be the most lucrative if you’re seeking high rewards.

Our Verdict

The Capitec Credit Card is an excellent choice for those who value affordability, transparent fees, and global usability. Its no-nonsense approach increases accessibility and delivers benefits that support everyday and travel-related purchases. It’s not the best for those seeking premium perks or the highest rewards, but for most South Africans, this is a practical, rewarding credit card option.

Recommended for you

Capitec Bank Credit Card

Low rates from prime, personalised credit limits, 1% cashback, free card delivery and zero currency conversion fees make this card stand out.




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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.