Capitec Credit Card: A Smart Financial Choice with Great Benefits

Capitec Bank offers a credit card packed with features that make managing your finances easier, rewarding, and affordable. Whether you are shopping online, paying in-store, or traveling abroad, Capitec’s credit card is designed to fit your needs. Here’s why it’s a great option:

1. Credit Limit Up to R500,000

Capitec credit cards offer a generous credit limit of up to R500,000, giving you the financial freedom to manage larger expenses or emergencies while still having access to funds when needed.

2. 1% Cash Back on All Purchases

Earn 1% cash back on every purchase you make—whether you're shopping online, in-store, or using your card via digital wallets like Apple Pay, Garmin Pay, Google Pay, or Samsung Pay. Every transaction brings rewards, making your spending work for you!

3. Low Interest Rates

Capitec provides lower-than-average interest rates, ensuring that your credit is affordable and cost-effective. With these rates, you can manage debt more easily and reduce the total amount you pay in interest.

4. Free Credit Card Delivery

For added convenience, Capitec offers free delivery of your credit card right to your doorstep. There’s no need to visit a branch—everything can be done online or via the Capitec app.

5. Up to 55 Days Interest-Free

Enjoy up to 55 days of interest-free credit on your purchases when you pay your balance in full. This extended period allows you to better manage your finances and avoid paying interest.

6. Earn 2.75% Interest on Positive Balances When your credit card balance is positive, Capitec rewards you by paying 2.75% annual interest. This unique feature means you can earn interest while maintaining a credit card balance.

7. Build Your Credit History Using your Capitec credit card responsibly helps you build and improve your credit score. A solid credit history can open the door to more financial opportunities and better loan terms in the future.

8. Free Local Card Swipes For in-country transactions, Capitec offers free swipes, meaning you can use your card without worrying about added fees for local purchases.

9. Optional Credit Insurance If you don’t have your own credit insurance, Capitec makes it easy to protect yourself by offering optional credit insurance. This can safeguard you in case of unforeseen circumstances, providing peace of mind.

10. Travel Benefits and Zero Foreign Exchange Fees Capitec credit cards come with several travel benefits, including:

No currency exchange fees, helping you save on international transactions. Free travel insurance worth up to R5 million, protecting you while you travel overseas.

Why Choose Capitec Credit Card?

Capitec's credit card gives you more than just spending power; it offers cash-back rewards, flexible payments, low fees, and valuable travel perks. Whether you’re looking to manage everyday expenses or explore the world, Capitec's credit card is a smart financial tool to help you achieve your goals.

Apply today and experience the difference with Capitec!