Unlock Your Financial Potential with Capitec Credit Cards

Are you ready to take control of your finances and enjoy unprecedented financial freedom? Capitec Bank introduces its groundbreaking credit card offering, designed to empower you with flexibility, rewards, and financial security. Here’s everything you need to know about why a Capitec credit card is the next smart move for you.

Limitless Credit, Limitless Possibilities

With a credit limit of up to R500 000, the Capitec credit card ensures you have the purchasing power you need, whether for everyday essentials or larger investments. Unlike traditional credit cards, our offering comes with a low-interest rate starting from prime, ensuring that you can manage your finances responsibly.

Earn While You Spend

Imagine earning while you shop—Capitec makes it a reality with 1% cash back on all your purchases. Whether you prefer shopping online, in-store, or through digital wallets like Apple Pay, Google Pay, or Samsung Pay, every transaction contributes to cash back rewards that add up over time.

Additional Benefits That Enhance Your Lifestyle

Capitec goes beyond the basics to enhance your lifestyle:

  • Free Card Delivery: Your convenience matters to us. Receive your credit card directly at your doorstep, hassle-free.
  • Up to 55 Days Interest-Free: Enjoy a grace period on purchases, giving you breathing room to manage your expenses.
  • Earn 3.0% per year on Positive Balances: Maximize your savings with attractive interest rates on positive balances.
  • Credit Building Assistance: We support your journey towards a stronger credit record, helping you achieve greater financial stability.
  • Free Local Swipes: Pay without the extra fees when you swipe locally.
  • Global Travel Benefits: Enjoy seamless international transactions with zero currency conversion fees and complimentary travel insurance coverage up to R5 million.

Simple Application Process

Applying for a Capitec credit card is straightforward:

  • Ensure you have your original ID document (18 years or older).
  • Provide your latest salary slip.
  • Submit a 3-month bank statement.
  • Meet the minimum salary requirement of R5 000 (R10 000 for self-employed clients).

Transparent Rates and Fees

We believe in transparency:

  • Initiation Fee: R100
  • Monthly Fee: R50
  • Interest Rate: 11.75% – 22.25% (based on your credit profile)

Your Partner in Financial Growth

At Capitec, we’re committed to helping you live better, with financial products and services that adapt to your needs. Whether you’re looking to consolidate debt, make everyday purchases, or plan for future investments, our credit card is designed to support your financial journey.

Apply Today and Transform Your Financial Future

Don’t miss out on the opportunity to elevate your financial strategy. Apply for a Capitec credit card today and experience the difference of banking with a partner that understands your aspirations. Visit your nearest Capitec branch or apply online to unlock a world of financial possibilities tailored just for you.

Capitec Bank reserves the right to adjust or terminate benefits as per its policies, ensuring continued value and service excellence for all our clients. Join us at Capitec and let’s build a better financial future together. APPLY ON THE CAPITEC OFFICIAL WEBSITE NOW!

FAQs for Capitec Credit Cards

1. What is the maximum credit limit for a Capitec credit card?

The maximum credit limit for a Capitec credit card is up to R500 000. This provides you with substantial purchasing power for both everyday needs and larger investments.

2. How does the interest rate on Capitec credit cards compare to traditional credit cards?

Capitec credit cards offer a low-interest rate starting from prime, which is generally more competitive than many traditional credit cards. This helps you manage your finances more cost-effectively.

3. What are the benefits of earning 1% cash back on my Capitec credit card purchases?

Earning 1% cash back on all purchases means you receive a reward for every transaction you make, whether online or in-store. This cashback adds up over time, contributing to your financial savings.

4. Are there any fees for local swipes with a Capitec credit card?

No, there are no additional fees for local swipes with a Capitec credit card. You can make purchases without incurring extra charges.

5. What is the grace period for interest-free purchases on Capitec credit cards?

Capitec credit cards offer up to 55 days interest-free on purchases. This grace period gives you time to manage your expenses before interest is applied.

6. What documents are required to apply for a Capitec credit card?

To apply, you need to provide:

  • Your original ID document (must be 18 years or older)
  • Your latest salary slip
  • A 3-month bank statement
  • Proof of meeting the minimum salary requirement (R5 000 or R10 000 for self-employed clients)

7. What are the initiation and monthly fees for Capitec credit cards?

The initiation fee is R100, and the monthly fee is R50. These fees are designed to cover the costs associated with maintaining your credit card.

8. How can Capitec credit cards help me build a stronger credit record?

Capitec credit cards include credit building assistance, which helps you manage your credit responsibly and improve your credit score over time.

9. What travel benefits are included with a Capitec credit card?

Capitec credit cards offer global travel benefits such as zero currency conversion fees and complimentary travel insurance coverage up to R5 million, making international travel more convenient and secure.

10. Can I apply for a Capitec credit card online?

Yes, you can apply for a Capitec credit card online through the Capitec official website. Alternatively, you can visit your nearest Capitec branch to apply in person.