Capitec Credit Cards 2025
Get South Africa's lowest interest rates from 19.5% with Capitec credit cards. Enjoy Global One integration, no monthly fees, and automatic payments that prevent late fees and interest charges.
Capitec Credit Card Advantages
Why Choose Capitec Credit Cards?
Lowest Interest Rates
From 19.5% p.a. - lowest in South Africa
No Monthly Fees
No ongoing monthly charges
Global One Integration
Seamless integration with savings account
Automatic Payments
Prevents late fees and interest
Real-time Updates
Instant spending notifications
Simple Structure
Transparent fees and terms
Choose Your Capitec Credit Card
Capitec Global One Credit Card
PremiumCapitec's flagship credit card with lowest rates and Global One integration
Capitec Cash Back Credit Card
CashbackEarn cash back on all purchases with simplified rewards
Capitec Student Credit Card
StudentDesigned for students with no annual fee and educational benefits
Capitec Global One Credit Card - Complete Details
Key Features
- Lowest interest rate in SA
- Global One account integration
- Automatic payment from savings
- Real-time spending notifications
- Contactless payments
- No monthly fees
- Fraud protection
- Online banking integration
- Easy credit limit increases
- Transparent fee structure
Requirements
- Capitec Global One account
- Minimum income R5,000
- Stable employment 3+ months
- Good credit record
- Direct salary deposit
- South African citizen
- Age 18-70 years
- Clear affordability assessment
Key Benefits
- Automatic payments prevent late fees
- Real-time balance updates
- Easy credit management
- Low interest saves money
- Simple fee structure
- Quick online applications
Calculate Your Interest Savings
Your Current Situation
Your Interest Savings
Enter your spending and current rate to see how much you could save with Capitec's low rates
Why Capitec Rates Are Lower
- • Efficient digital banking model
- • Lower operational costs
- • Automated payment systems
- • Focus on customer value
Compare Capitec Credit Cards
| Feature | Global One | Cash Back | Student |
|---|---|---|---|
| Interest Rate | 19.5% p.a. | 20.5% p.a. | 21.5% p.a. |
| Annual Fee | R500 | R200 | R0 |
| Credit Limit | R5,000 - R200,000 | R3,000 - R100,000 | R1,000 - R10,000 |
| Min Income | R5,000 | R4,000 | Student allowance |
| Rewards | Low interest savings | 1-2% cash back | Educational benefits |
| Best For | Rate-conscious users | Regular spenders | Students & beginners |
How to Apply for Capitec Credit Cards
Check Eligibility
Verify you meet Capitec's simple requirements
Apply Online
Complete application through Live Better Banking
Document Upload
Upload required documents through the app
Instant Assessment
Capitec's automated assessment system
Approval Decision
Receive instant approval decision
Card Delivery
Receive your new Capitec credit card
Expert Tips for Capitec Credit Cards
Use Auto-Pay Feature
Set up automatic payments to avoid interest and late fees
Monitor Global One
Keep sufficient funds in your savings for automatic payments
Take Advantage of Low Rates
Capitec's rates are the lowest - use for necessary purchases
Build Credit Gradually
Start with lower limits and build credit history responsibly
Use Mobile Banking
Monitor spending in real-time through the Capitec app
Understand Integration
Learn how credit and savings accounts work together
Frequently Asked Questions
How does Global One integration work?
Global One integration allows automatic payments from your savings account to your credit card, preventing late fees and interest charges. You can set up automatic payments for minimum amount or full balance.
Why are Capitec's rates so low?
Capitec's efficient digital banking model and lower operational costs allow them to offer lower interest rates. They also focus on responsible lending and have automated systems that reduce processing costs.
Can I apply if I don't have a Capitec account?
You need a Capitec account to apply for their credit cards. However, opening a Capitec account is quick and easy, and you can often do both applications simultaneously.
What happens if I don't have enough money for auto-pay?
If there are insufficient funds in your Global One account, the auto-pay will fail and you'll need to make manual payments. It's important to maintain sufficient funds to avoid late fees and interest charges.
How quickly can I get approved?
Capitec offers some of the fastest approval times in South Africa, often within minutes for qualified applicants. The entire process from application to card delivery typically takes 3-5 business days.
Important Information
Before You Apply
- • Open a Capitec Global One account first
- • Ensure stable income and employment
- • Check your credit score and report
- • Understand auto-pay functionality
- • Have all required documents ready
Contact Capitec
- • Phone: 0860 10 20 43
- • Online: www.capitecbank.co.za
- • App: Capitec Banking App
- • Branch: Visit any Capitec branch
- • Hours: Monday-Friday 8AM-4PM
Important: Credit is subject to affordability and approval. Interest rates and fees may change. Ensure you can afford repayments before applying. Auto-pay requires sufficient funds in your Global One account.