Capitec Credit Card

Discover the benefits of the Capitec Credit Card, which is designed to offer convenience and flexibility for everyday financial needs.

Whether you’re shopping online, paying bills, or managing unexpected expenses, the Capitec Credit Card provides a reliable financial solution.

Tip: Saving and investing can help you meet your short and long-term needs.  

Why choose the Capitec Credit Card?

Capitec Bank, known for its simplicity and innovation, offers a range of features with its credit card:

1. Flexible credit limit: Enjoy a credit limit tailored to your financial profile and needs.
2. Affordable fees: Benefit from competitive interest rates and a transparent fee structure.
3. Convenient payments: Make payments at point-of-sale terminals worldwide and online, providing hassle-free transactions.
4. Controlled spending: Manage your finances with ease using the Capitec app to track transactions and control spending.
5. Security: Advanced security features, including PIN protection and 3D Secure for online purchases, help to put your mind at ease.

Key features of the Capitec Credit Card

• Credit limit: Customise your credit limit based on affordability and financial standing.
• Interest rates: Competitive interest rates are applied to outstanding balances, and you enjoy a 55-day interest-free period.
• Revolving credit: Pay the minimum amount due or the full balance each month, with interest incurred on the remaining balance.
• Flexible repayment: Choose from various repayment options to suit your budget.

How to apply for the Capitec Credit Card

You can make a Capitec Credit Card application on the Capitec website or via the Capitec app.

The fee structure for the account is set out in the table below.

 Tip: Check your credit score today to find out if you qualify for financial products like a credit card.