Capitec Live Better Credit Card Review: 1% Cash Back and Rewards

Experience the Capitec Live Better Credit Card and receive 1% cash back on your monthly spend along with free data. Find out more about rewards, pros, and how to apply in this South African review.

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Capitec Bank

1% cash back on Capitec credit card spend and free 1GB data monthly. Flexible credit limit up to R500 000 and competitive interest rates from prime.




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The Capitec Live Better Credit Card comes with some appealing highlights for South Africans who want real value from their spending. You earn 1% cash back on monthly credit card purchases and receive 1GB of Capitec Connect data each month. Credit limits go up to R500 000, and rates start from prime, making it accessible to a wide range of customers. The only requirement is to keep your credit card in good standing to qualify for rewards.

How to Apply for the Capitec Credit Card

To get started, download and sign up on the Capitec app and join Live Better for free. Then, apply for a Capitec credit card directly from the app or by visiting a branch. Once approved, start spending with your card and enjoy the automatic 1% cash back and extra data benefits every month.

Highlights and Pros

With real cash rewards, Capitec stands out among local banks. Having the flexibility to use your cash back anywhere is a practical benefit. The additional Capitec Connect data can help you stay online without extra costs. Plus, Capitec’s credit card application process is fast and streamlined using the mobile app.

Potential Drawbacks

A key consideration is that to receive the 1% cash back, your account must be in good standing, which may limit rewards for those with payment issues. Fees and detailed interest rate disclosures depend on your risk profile and may not suit all applicants, so review your offer carefully.

Our Verdict

The Capitec Live Better Credit Card is a compelling choice if you value straightforward rewards and extra mobile data, combined with a competitive credit limit. It’s particularly appealing for users comfortable managing their credit responsibly for ongoing benefits.

Recommended for you

Capitec Bank

1% cash back on Capitec credit card spend and free 1GB data monthly. Flexible credit limit up to R500 000 and competitive interest rates from prime.




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