Capitec Bank Credit Card

One card for all your banking. Earn 5.1% per year on a positive balance. R35 monthly fee

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

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 R80 000

Secure online purchases with Mastercard® SecureCode™

Do cashless payments (zero fees worldwide at card machines, online and for telephone and mail orders)

No currency conversion fees for international payments

Manage your credit card on our app

Credit insurance

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

Travel insurance

Free travel insurance is a great extra credit card benefit for when you travel abroad

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

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