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Capitec Credit Card

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.  

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.

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
  • Credit limit up to R500,000
  • Get 1% cash back on all you spend – use our credit card online, in-store or add it to a digital wallet like Apple, Garmin, Google or Samsung Pay to make payments 
  • Low interest rate from prime
  • Free credit card delivery to your door
  • Up to 55 days interest-free
  • Earn 3.5% per year on a positive balance
  • Help to build your credit record
  • Free local swipes
  • Credit insurance is available if you do not have your own
  • Travel insurance up to R5 million
  • Pay less fees when you spend overseas with zero currency conversion fees
  • Free travel insurance up to R5 million

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

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