Capitec Credit Card
Capitec Credit Card (Mastercard): R50 monthly admin fee on the June 2026 tariff, up to 55 interest-free days if you clear the statement, limit after NCA affordability. Confirm the quotation on capitecbank.co.za.
This button goes straight to the lender. There is no partner link here and we earn nothing from the click. The rating on this page is an editorial score.
Capitec Credit Card — Who Issues It, Licences & How to Verify
Why Choose Capitec Bank?
Single, personalised interest rate
Single, personalised interest rate — no opaque tier system; your rate is set at application and linked to the prime lending rate
1% cash back on all purchases
1% cash back on all purchases — credited in rand to your Live Better savings on the 10th of every month; no categories or caps
Up to 55 days interest-free
Up to 55 days interest-free — settle your full balance within the interest-free period and pay zero interest on purchases
Low, transparent monthly fee
Low, transparent monthly fee — R50 per month (frozen at 2025 levels for 2026), with no annual card fee on top
Key Features Capitec Bank
| Parameter | Value |
|---|---|
| Monthly card fee | R50 (frozen at 2025 levels for 2026) |
| Annual card fee | None |
| Live Better cash back | 1% on all purchases, credited on the 10th of the following month |
| Interest-free window | Up to 55 days when the full statement balance clears by the due date |
| Credit limit | Up to R500,000 after NCA affordability review |
| Purchase interest | From 9.75% p.a., personalised at approval and linked to prime |
| Card scheme | Mastercard — chip, PIN and contactless tap |
| Currency | South African Rand (ZAR) |
| Regulator | NCRCP13 (NCR), FSP 46669 (FSCA) |
Apply now — Quick Start
Ready to receive funds in your account today? The process is simple:
Contact Information Capitec Bank
Legal Information
Leave a Review
Capitec Credit Card — Visit bank
Capitec Credit Card (Mastercard): R50 monthly admin fee on the June 2026 tariff, up to 55 interest-free days if you clear the statement, limit after NCA affordability. Confirm the quotation on capitecbank.co.za.
This button goes straight to the lender. There is no partner link here and we earn nothing from the click. The rating on this page is an editorial score.