Capitec Credit Card: Enjoy 1% Cash Back and Free Card Delivery in South Africa

Capitec Credit Card gives 1% cash back on all purchases plus free card delivery and travel insurance up to R5 million. Get budget-friendly rates and a simple application process.

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Capitec Credit Card

Get 1% cash back on all purchases, free card delivery, up to R5 million travel insurance, budget-friendly rates and easy application.




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The Capitec Credit Card is designed for South Africans who want to enjoy daily rewards and hassle-free banking. With a 1% cash back on all purchases—be it in-store or online—this card makes each swipe more valuable. Cardholders benefit from free card delivery, up to R5 million in travel insurance and straightforward, low-cost monthly fees. While exact interest rates and credit limits may vary depending on your profile, Capitec is widely recognised for their affordability and accessibility, making this an appealing choice for many.

How to Apply Step-by-Step

  1. Gather your valid South African ID and recent proof of income or payslip.
  2. Complete the application online via Capitec’s secure platform.
  3. Submit required documents and wait for verification.
  4. Once approved, arrange free delivery for your card.
  5. Activate your card and start earning 1% cash back on all spends.

Advantages of the Capitec Credit Card

The main benefit is the consistent 1% cash back on every transaction, making it easy to save on routine expenses. Free card delivery and robust travel insurance add clear extra value, especially for those who travel frequently or want financial peace of mind.

With Capitec’s transparent fee structure and straightforward rewards, budgeting and managing your finances is made simpler. Many users appreciate the accessibility and ease of the application process.

Potential Drawbacks

Compared to some competitor cards, the Capitec Credit Card offers a somewhat lower rewards percentage, which may not appeal to those seeking higher-tier benefits or exclusive perks.

There is no tiered rewards structure, so the card does not offer increasing benefits for higher spenders. Premium lifestyle extras are also limited.

Our Verdict

If you are seeking a simple, affordable credit card solution that offers a reliable 1% cash back on every purchase, the Capitec Credit Card is well-suited. It is ideal for everyday spenders seeking basic rewards without extra complexity or high annual fees. Those desiring premium perks may find it less suitable, but for practical, value-based banking, it stands out as a smart option for many South Africans.

Recommended for you

Capitec Credit Card

Get 1% cash back on all purchases, free card delivery, up to R5 million travel insurance, budget-friendly rates and easy application.




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