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Capitec Credit Card Review

Credit cards are a convenient way to make everyday purchases. You can use it to purchase items that you need in order to run your daily business.

Capitec Credit Card
Source: Capitec Credit Card

Capitec Credit Card is a credit card that is available to individuals in South Africa. It’s a credit card that gives you the freedom to make purchases every day, on the go. Capitec Credit Card is a credit card that gives you the freedom to travel, shop and pay your bills. You can use the card to purchase regular items, as well as your groceries, household items, education, healthcare and more. It is a card that allows you to earn cashback and rewards. 

Furthermore, Capitec Credit Card offers a credit limit of up to R250,000. This means that you can purchase major items such as property, vehicles, etc. This is a great option for those who are looking to buy a larger item and who want to finance it without the hassle of a long repayment period.

Benefits of Capitec Credit Card

Credit cards can provide benefits that go way beyond the convenience they provide. These benefits include greater peace of mind, having more control over your spending, and even better rewards. And to get things hotter, here are the benefits of having a Capitec Credit Card:

  • Provides up to R250,000 credit limit

The Capitec Credit Card offers you up to R250,000 credit limit for your individual use. This means that you can use a credit card for all your day-to-day expenses, even if you have a bad credit history. It is easy to apply for and get approved for, and it is backed by the best possible service in the industry.

  • 55 days of no interest rates

If you’re looking for a credit card to help you save money on your personal finance, then Capitec Credit Card is a great option. The card is designed with the goal of helping you to earn and save money. The card offers an average interest rate of 0% for 55 days after your first purchase. This is a great card to use if you want to save money while also earning some rewards.

  • Provides Chargeback protection to consumers

Capitec Credit Card offers a wide range of benefits for consumers, including chargeback protection. This allows you to feel confident that your money is safe from any chargeback disputes. Moreover, chargebacks are a common problem for all retailers, but they can be particularly difficult for smaller businesses that don’t have the resources to engage in lengthy charge-back disputes.

Capitec Credit Card
Source: Capitec Credit Card
  • Exclusive bonus and rewards from MasterCard

MasterCard is a global payments network with a global footprint. This means that they have access to an international network of merchants. As a result, Capitec has partnered with MasterCard to offer their customers exclusive bonuses and rewards when you use the card.

Card Request Requirements

To apply for the Capitec Credit Card, ensure you meet the following requirements:

  1. Age: Applicants must be at least 18 years old.
  2. Income: A minimum monthly income may be required; check the specific criteria.
  3. Residency: You should be a resident of the country where Capitec operates.
  4. Credit History: A credit check will be conducted; a good credit history is usually preferred.
  5. Identification: Valid government-issued identification is mandatory.
  6. Employment: Proof of employment or a stable source of income may be necessary.

How to Apply for the Capitec Credit Card

Follow these steps to initiate the Capitec Credit Card application process:

Online Registration:

Visit the official Capitec website.

Create an account or log in if you already have one.

Choose Credit Card:

Navigate to the credit card section.

Select the specific Capitec Credit Card you want to apply for.

Application Form:

Fill out the online application form with accurate personal and financial information.

Upload necessary documents, including identification and proof of income.

Review and Submit:

Carefully review the information provided.

Submit the application.


Capitec may conduct a credit check and verify the information provided.

Approval and Card Issuance:

Upon approval, you will receive your Capitec Credit Card.

Frequently Asked Questions (FAQs)

How long does it take to get the Capitec Credit Card?

The processing time varies, but once approved, you can expect to receive your card within a few weeks.

Can I apply for the Capitec Credit Card if I have a limited credit history?

Capitec considers various factors, including credit history, but individuals with limited credit history may still be eligible.

Are there annual fees for the Capitec Credit Card?

Refer to the specific terms and conditions for each credit card variant, as annual fees may vary.

What should I do if my Capitec Credit Card application is declined?

If your application is declined, contact Capitec’s customer support for more information and guidance on the next steps.

Is there a mobile app to manage my Capitec Credit Card account?

Yes, Capitec provides a mobile app for convenient account management, including monitoring transactions and making payments.

Formado em direito Especialista em economia, investimento e finanças pessoal. Seu foco é mudar a vida financeira das pessoas.