Repaying your Capitec Credit Card
Your monthly statement shows three figures that matter: the minimum payment, the payment due date, and the full balance that preserves up to 55 days interest-free treatment on recent purchases.
Payment channels
| Channel | How it works |
|---|---|
| Capitec app | Push funds from your Global One account instantly |
| Debit order | Automate minimum or full settlement on your chosen date |
| EFT from another bank | Use your credit card account number as beneficiary reference |
| Branch counter | Deposit cash or transfer at any Capitec branch nationwide |
| Paying only the minimum keeps the account current but leaves the remainder accruing interest at your contracted rate (from 9.75% p.a., personalised at approval). Clearing the full statement balance by the due date avoids purchase interest on that billing cycle. |
Extra payments and early settlement
Additional payments are welcome at any time with no early-settlement penalty on card debt. Extra rand immediately frees revolving headroom up to your approved limit (subject to any fraud hold).
Before a due date slips
If cash flow tightens, contact Capitec Client Care on 0860 10 20 43 before the due date — not after. Proactive contact may open arrangement options; ignoring the statement triggers fees, continued interest on the outstanding balance, and bureau reporting that can affect future credit for up to two years.
Capitec Bank Limited (NCRCP13, FSP 46669) must follow National Credit Act rules on default listing and debt collection. Keep PDF statements from the app for your records and dispute any unfamiliar transactions promptly.
