Quick Facts
What is the Capitec Credit Card?
The Capitec Credit Card represents a new approach to credit cards in South Africa. True to Capitec's philosophy of simple, transparent banking, this card offers a R0 monthly fee when you manage it through self-service channels, plus credit life insurance included at no extra cost.
Unlike traditional banks that offer fixed interest rates by card tier, Capitec provides a personalized interest rate based on your individual credit profile. This means you could potentially get a better rate than competitors if you have a strong credit history.
The card is designed for the digital generation - apply in the app, get an instant decision, manage your card entirely on your phone, and enjoy features like virtual cards, instant notifications, and temporary card freezing. It's banking the Capitec way: simple, affordable, and digital-first.
Key Features
Fees & Charges
| Fee Type | Amount |
|---|---|
| Monthly Fee (Self-Service) | R0 |
| Monthly Fee (Branch/Call) | R40 |
| Cash Advance Fee | 3.5% (min R20) |
| Over Limit Fee | R100 |
| Late Payment Fee | R100 |
| Card Replacement | R75 |
* R0 fee applies when using self-service channels only (app, ATM, online). Branch or call centre usage incurs R40/month. Cash advances start accruing interest immediately.
Requirements
How to Apply
Open Capitec account
You'll need a Capitec Global One account. If you don't have one, open it via the app or in-branch - it takes minutes.
Apply via app
Open the Capitec App, go to "Apply" and select Credit Card. The app will guide you through the process.
Get instant decision
Capitec uses advanced technology to assess your application instantly. You'll know your result and credit limit immediately.
Accept your offer
Review your personalized interest rate and credit limit. Accept the offer and sign digitally in the app.
Receive your card
Your card will be couriered to you or you can collect from a branch. Activate instantly via the app.
Pros & Cons
Advantages
- R0 monthly fee with self-service banking
- Lower minimum income requirement (R3,000)
- Credit life insurance included at no extra cost
- Excellent mobile app experience
- Instant application decisions
- Transparent, personalized pricing
Disadvantages
- No traditional rewards programme
- R40 fee if using branch/call centre
- No airport lounge access
- Must have Capitec account
Frequently Asked Questions
Ready to Apply?
Get your Capitec Credit Card with R0 monthly fees and credit life included.
Apply via App Call 0860 10 20 43Why Choose This Card?
- R0 Monthly FeeWith self-service banking
- Credit Life IncludedNo extra charge
- Instant DecisionsKnow your limit immediately
Use Credit Responsibly
Always pay your full balance to avoid interest charges. Credit cards can lead to debt if not managed properly. Only spend what you can afford to repay.
Compare Options
See how this card compares to other credit cards in South Africa.
View All Credit Cards →Simple. Affordable. Digital.
Get the Capitec Credit Card with R0 fees, included insurance, and instant app-based management.