Main features & advantages
✅ Universal cashback: earn 1% back on every purchase, everywhere
✅ Use it abroad freely: no foreign exchange fees
✅ Travel insurance included: cover up to R5 million on tickets bought with the card
✅ Limit designed for you: based on your income and profile
✅ Low fixed fees: once-off initiation fee of R100 and R50 monthly maintenance fee
Why do we recomend Capitec credit card?
Capitec credit card combines what most people want: reliable cashback, a long interest-free period, transparent fees, and perks when you travel. Whether at home or abroad, it’s a card that makes your money work harder.
Author’s opinion
The Capitec Credit Card stands out as one of the most straightforward and rewarding options in South Africa’s competitive market. While FNB credit cards and Nedbank cards often require higher monthly income and come with tiered annual fees, Capitec keeps things simple with a fixed monthly cost and a flat 1% cashback on all purchases.
Compared to Standard Bank Gold or Absa credit cards, where foreign currency fees can quickly add up, Capitec’s zero forex fees make it a strong choice for travellers. Even when put side by side with newer digital players like TymeBank or established lenders like African Bank, Capitec offers a balance of transparency, affordability, and valuable perks—like free delivery and travel insurance up to R5 million—that make it extremely competitive.
While Discovery Bank credit cards emphasise lifestyle rewards linked to health and activity, Capitec delivers consistent value for the average consumer without complicated rules. For anyone comparing credit options across banks, the Capitec Credit Card delivers clarity and measurable benefits.
Application process
✅ Go to the Capitec Credit Card page or open the Capitec app.
✅ Start your application online.
✅ Provide ID, proof of income, and 3 months’ bank statements.
✅ Once approved, your card will be delivered to your home free of charge.
✅ Activate and manage it directly through the app.
Example in action
You spend R5 000 on everyday purchases in one month. With 1% cashback, you get R50 credited back into your account. If you pay your full balance within the 55-day grace period, you won’t pay a cent in interest. And if you book your next flight using the card, you’ll have free travel insurance cover.
How do I get my Capitec credit card?
The Capitec Credit Card combines cashback, flexibility, and global usability. With no forex fees, included travel insurance, and a generous interest-free period, it’s a card that works for you both locally and abroad. Apply today and enjoy financial freedom with rewards built in.