Capitec’s Live Better Credit Card stands out for offering 1% real cash back on all credit card spending and a generous credit limit of up to R500,000. The card offers competitive interest rates starting from prime, aiming to make everyday banking more rewarding. Besides monetary rewards, you get 1GB of Capitec Connect data each month for free while your credit card account is in good standing.

How to apply: Step-by-step

1. Download Capitec’s mobile app.
2. Complete the registration process for Live Better.
3. Apply for a credit card directly in the app or visit a branch.
4. Submit required documents such as ID, proof of income, and address.
5. Wait for application approval, receive your card, and start spending.

Pros: Key strengths

One significant advantage is receiving real cash back credited monthly, which can enhance your savings. The application is seamless, mostly completed online or via app, reducing hassle.

The credit limit of up to R500,000 suits a wide range of customers, from new card holders to experienced spenders. The complimentary monthly data boosts value for regular users.

Cons: Points to consider

The 1% cash back rate, while straightforward, may not be as high as some promotional offers from other banks. Plus, to qualify for rewards, your card must remain in good standing.

Monthly cash back payouts arrive only on the 10th, which may delay access to your earned rewards if you spend heavily at month’s end.

Verdict: Should you choose Capitec Live Better?

Capitec’s Live Better Credit Card is a solid choice for anyone seeking everyday rewards without complexity. The cash back, flexible credit limit, and mobile management make it especially appealing for tech-savvy South Africans who value both simplicity and tangible benefits.