Capitec Credit Card: Cash Back, Low Fees and Free Card Delivery

Discover how the Capitec Credit Card gives you 1% cash back, zero currency fees and a low rate from 10.50%. See our quick and unbiased review with pros and cons for South African applicants.

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Capitec Bank

Enjoy up to 1% cash back, no currency conversion fees, free card delivery and a low interest rate from 10.50% with the Capitec Credit Card.




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Introducing the Capitec Credit Card

The Capitec Credit Card packs a punch with competitive rates, rewarding usage, and digital flexibility. Enjoy a personalised credit limit, free card delivery, and get 1% cash back on everything you spend.

Interest rates are variable based on your credit profile, ranging from 10.50% to 21.00%. Monthly card fees are just R50, with a once-off R100 initiation fee.

This credit card is available to South Africans over 18 with a minimum salary of R3 000 (R5 000 for self-employed). Plus, Capitec offers up to 55 days interest free and free travel insurance.

How to Apply: Step by Step

1. Have your SA ID, latest salary slip, and three months’ bank statements ready.

2. Apply seamlessly online, through the Capitec app, or at any Capitec branch nationwide.

3. Choose your credit limit based on your affordability and credit profile.

4. Receive your card at home for free or collect it in branch, then activate and start using.

Key Pros of the Capitec Credit Card

Cash back is a major draw – you earn 1% on all card spend, making daily purchases automatically rewarding. Free card delivery adds convenience for busy clients.

Capitec Connect users benefit from 1GB free mobile data per month. International travellers save with zero currency conversion fees and free travel insurance up to R5 million.

Notable Cons to Consider

The credit requirements can exclude lower-income earners and freelance workers with inconsistent proof of income.

Cash back is only 1%, which may not compete with higher-tier rewards programs. Interest varies depending on your credit score, with some clients possibly paying the upper range.

Our Verdict

The Capitec Credit Card stands out for its combination of simplicity, modern features, and cost-effectiveness. Cash back, free delivery, and digital options make managing your finances convenient. However, applicants should ensure they meet the income requirements and weigh the cash back rate against competing offers. For many South Africans seeking affordable credit with solid perks, Capitec is a strong choice.

Recommended for you

Capitec Bank

Enjoy up to 1% cash back, no currency conversion fees, free card delivery and a low interest rate from 10.50% with the Capitec Credit Card.




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