Capitec credit card

One card for all your banking. Get up to R150 000 credit limit.

Capitec Credit card benefits

• Access to all your accounts
• Earn 5% per year on a positive balance
• Up to 55 days interest-free period
• Personalised credit based on your profile and affordability
• Credit limit of up to R150 000
• Secure online purchases 
• Do cashless payments (zero fees worldwide at  
  Mastercard® 
  card machines, online and for telephone and mail orders)
• No currency conversion fees for card purchases overseas
• Manage your credit card on our app

Click here to apply for capitec credit card

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Use our app to manage your card

• Update your daily card limits for withdrawals and card purchases
• Transfer your outstanding balance from the straight to budget payment option 
• View your credit limits and transaction history
• Create, view and settle your budget balance

How to apply

Visit a Capitec Bank branch with these documents

• Original identification document (must be 18 years or older). If you are married and your surname is no longer the same as indicated in your identification document, a marriage certificate will be required.
• Latest salary slip 
• Stamped bank statement showing your latest 3 salary deposits

Save time and try our online estimate to see what you qualify for before going to a branch.

Rates and fees

• Initiation fee: R100
• Monthly fee: R35
• Interest rate: 10.25% – 20.75% (based on your credit profile)