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Capitec Bank Card

Capitec Bank Card

Your credit card gives you more ways to get what you need. Use it for everyday purchases and online shopping.


Credit card benefits

  • Access to all your accounts
  • Up to 55 days interest-free
  • Personalised credit based on your profile and affordability
  • Credit limit of up to R150 000
  • Secure online purchases with Mastercard® SecureCode™
  • Do cashless payments (zero fees worldwide at  Mastercard® card machines, online and for telephone and mail orders)
  • No currency conversion fees for international payments
  • Manage your credit card on our app

Download our full credit flyer here

Credit insurance

Credit insurance is available if you don’t have your own.

Travel insurance

Free travel insurance is a convenient credit card benefit for when you travel abroad.


Use our app to manage your card

  • Update your daily card limits for withdrawals and card purchases
  • Transfer your outstanding balance from the straight to budget payment option 
  • View your credit limits and transaction history
  • Create, view and settle your budget balance

How to apply

Visit a Capitec Bank branch with these documents

  • Original identification document (must be 18 years or older) 
  • Original proof of residential address (e.g. municipal rates and taxes account in your name with your street address, not older than 3 months) 
  • Latest salary slip 
  • Stamped bank statement showing your latest 3 salary deposits

Save time and try our online estimate to see what you qualify for before going to a branch.

Rates and fees

  • Initiation fee: R100
  • Monthly fee: R35
  • Interest rate: 12.9% – 20.5% (based on your credit profile)

Download our free Good for Credit booklet. It’s full of handy information about credit. We’ll help you work out how much credit you can afford, what interest, fees and charges you can expect, how to compare and get the best offer, and what to do if you’re struggling with your debt.


The minimum salary requirement for a credit card application is R3 000.


Straight versus budget purchases


  • Interest-free – pay your full outstanding balance before the next credit card instalment due date
  • Up to 55 days to pay for purchases, interest-free
  • Minimum monthly payment of 5% on your outstanding balance


  • Manage your money and repay purchases over a longer term
  • Up to 48 months to pay

Cover against losses

Chargeback protection

Chargeback protection covers you in certain instances for purchases made with your credit card. It only applies in cases where the dispute could not be resolved between you and the merchant.

You may be protected in the following cases:

  • The company you purchased from went into liquidation
  • The goods were not as described or were defective
  • The goods were not received as promised
  • A processing error by the bank occurred
  • You were charged multiple times or for the incorrect amount
  • You were the victim of fraud and did not authorise the purchase

Lost card protection

  • You have access to free lost card protection which protects you against loss caused by fraudulent use before reporting the card as lost or stolen
  • It does not cover transactions where you were negligent or in which your PIN was used, it is therefore important to keep your PIN safe
  • You must report the card as lost or stolen immediately after detecting that your card is missing

using your credit card

What to do when you get your credit card 

  • Download and activate our app to help you manage your card, transfer money between your accounts, set limits, track your spending and view your transaction history
  • Register your card for online shopping on our app
  • Activate your Mastercard® SecureCode™
  • For fast, easy payments, store all your payment and billing information in one central, secure location with Capitec Bank Masterpass™, powered by Mastercard®

Before you use your credit card for the first time

  • Make sure you understand the terms of your credit card agreement
  • Know your credit limit to avoid overspending when you use your card
  • Avoid a surprise bill by understanding all your credit card fees and costs, including how your interest is calculated, and how you can earn the highest interest on positive balances

How to earn the highest interest on your credit card

You can earn great interest per year on a positive balance:  

  • If you choose credit (instead of debit), you have 55 days to pay for your purchase without paying any interest on it
  • Pay your salary into your credit card account and settle your balance in full
  • This means your positive balance (debit balance) stays high, earning you more interest