Discover the Capitec Credit Card on JustMoney. Enjoy flexible credit limits, competitive rates, and convenient payment options.
16 September 2024
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.
Capitec Bank, known for its simplicity and innovation, offers a range of features with its 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.
Minimum income | The minimum salary requirement for a credit card application is R5,000 and R10,000 for self-employed clients |
Interest rate | 11.75% - 22.25% (based on your credit profile) |
Max credit interest | R150,000 |
Interest-free period (days) | Up to 55 days interest-free |
Monthly card fee |
Once-off initiation fee of R100 R50 flat fee |
Transaction fee | Local card swipes are free |
Payments | |
Digital | R2 |
Self-service | R5.50 |
Consultant | R11 |
Immediate payment to another South African bank (digital/self-service) | R6.50 |
Payment to an overseas bank (digital/app only) | R17 |
Purchases | |
Any SA ATM | Free |
Pay bills/vouchers/LOTTO (digital) |
R1.50 |
To send cash | |
R40-R1,000 (digital) | R10 |
R1,010-R3,000 (app only) | R16 |
Payment received from Mastercard MoneySend (card) | R1 |
Statements (first statement is free) | |
Digital | Free |
Consultant | R16 |
Cash withdrawals | |
PnP/Shoprite/Checkers/Boxer till point | R2 |
All ATMs (any South African bank) | R10 per R1,000 |
International Mastercard (ATM) | R80 |
International Mastercard (card machine) | R10 |
Balance enquiries | |
Capitec (digital/card/self-service/consultant) |
Free |
Other SA bank card machine | R1 |
International Mastercard card machine | R3 |
Other South African bank ATM | R9 |
International Mastercard ATM | R10 |
Stop orders | |
To own account (digital/consultant | Free |
To other Capitec accounts (digital/consultant) | R1 |
To other South African banks (digital/consultant | R2 |
Internet banking fee | Free |
International processing fees | |
R0-R100 | R2 |
R101-R200 | R3 |
R201-500 | R5 |
R501 and above | R10 |
Credit card transaction history | |
Digital | Free |
Self-service | R6 |
Consultant | R16 |
Features |
|
Tip: Check your credit score today to find out if you qualify for financial products like a credit card.
info@justmoney.co.za
4th Floor, Mutual Park, Jan Smuts Drive,
Pinelands, Cape Town, 7405
© Copyright 2009 - 2024
Terms & Conditions
·
Privacy Policy
·
PAIA Manual
View your total debt balance and accounts, get a free debt assessment, apply for a personal loan, and receive unlimited access to a coach – all for FREE with JustMoney.