The Capitec Credit Card brings cashback, flexible repayments and useful travel benefits together in one straightforward credit card.
Before applying, it is worth looking at the monthly fee, personalised interest rate and the way each repayment option works.
Here is a clear overview of the main benefits and what Capitec may ask for during the application.
Main benefits of the Capitec Credit Card
- 1% cash back. Get money back on your card spending.
- Up to 55 interest-free days. Pay the full qualifying balance by the due date to avoid interest on those purchases.
- Personalised credit limit. Your limit and rate are based on your credit profile and affordability.
- Monthly mobile data. Eligible customers with a verified Capitec Connect SIM receive 1GB of data each month.
- Travel benefits. The card includes selected airport lounge visits, dining vouchers and travel insurance of up to R5 million.
How the card works
Straight payments are useful for everyday purchases you plan to settle quickly. The minimum monthly payment starts at 5% of the outstanding balance.
For a larger purchase, the budget option lets you spread payments over as many as 48 months. Interest is charged until the balance has been repaid.
You can apply online, in the Capitec app or at a branch. Every application is subject to credit and affordability checks.
Quick comparison
| Card | Monthly fee | Key feature |
|---|---|---|
| Capitec Credit Card | R50 | 1% cash back and travel benefits |
| Standard Bank Blue Credit Card | Check current pricing | Entry-level credit card |
| FNB Aspire Credit Card | Check current pricing | Rewards linked to qualifying activity |
Fees and benefits can change. Compare the latest offers on each bank’s official website before deciding.
Who may find it useful?
- People who want cashback on everyday spending
- Customers who can settle their balance within the interest-free period
- Travellers who may use the card’s insurance and airport benefits
- Capitec customers who prefer managing their card in the app
Who should consider another option?
- Anyone looking for a credit card with no monthly fee
- People who regularly carry a balance and could pay ongoing interest
What to consider before applying
The card has a once-off initiation fee and a monthly fee. Your final interest rate will only be known after Capitec reviews your application.
Approval is not guaranteed. Read the quotation and credit agreement carefully, then make sure the repayment will fit comfortably into your monthly budget.
Frequently asked questions
Does the Capitec Credit Card offer cashback?
Yes. Capitec currently advertises 1% cash back on card spending, subject to its programme terms.
How long is the interest-free period?
Qualifying purchases can receive up to 55 interest-free days when the required balance is paid on time.
Can I apply online?
Yes. Applications are available online, in the Capitec app and at Capitec branches.
Is the Capitec Credit Card worth considering?
It may be a good fit if you will use the cashback and travel benefits while keeping repayments under control. Continue for the full review, current fees and application steps.