Capitec Credit Card
Best for: low-cost everyday spending with flat 1% cash back.
Pros
- Lowest monthly fee among the cards we compare
- Flat cash back with no categories to track
- Low once-off initiation fee
Cons
- No lounge access or travel extras
- Minimum income and foreign transaction fees not published on the card page
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The Capitec Credit Card keeps costs low with a R50 monthly fee and pays a flat 1% cash back on purchases. It suits people who want a simple card without paying for travel perks they will not use.
Capitec Credit Card at a glance
| Issuer | Capitec Bank |
| Card network | See issuer |
| Annual fee | R50/month |
| Rewards rate | 1% cash back on card purchases, paid into your Capitec Rewards savings each month |
| Welcome bonus | See issuer for the current offer |
| Intro APR | None |
| Regular APR | Personalised, up to the NCA maximum |
| Foreign transaction fee | See issuer |
| Credit needed | See issuer (subject to an NCA affordability assessment) |
| Best for | Low-cost everyday card with flat 1% cash back |
Key features
- R50 monthly account fee and a once-off R100 initiation fee
- 1% cash back on purchases in-store and online
- Up to 55 days interest-free on purchases when you pay in full
- 1GB free Capitec Connect data a month with a verified Connect SIM
- Earn interest on a positive balance
Pros
- Lowest monthly fee among the cards we compare
- Flat cash back with no categories to track
- Low once-off initiation fee
Cons
- No lounge access or travel extras
- Minimum income and foreign transaction fees not published on the card page
Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: capitecbank.co.za · capitecbank.co.za
How it compares with similar South Africa cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Capitec BankCapitec 4979 2791 1833 1952 VALID THRU 12/32AVERY PATEL Capitec Credit CardLow-cost everyday card with flat 1% cash back |
R50/mo | 1% cash back on card purchases, paid into your Capitec Rewards savings… | None | See issuer | See issuer (subject to an NCA… | |
Absa Gold Credit CardAbsa Rewards cash back with 57 interest-free days |
R69/mo | Absa Rewards cash back at Rewards partners, with rates set by your Rew… | None | 2.50% currency conversion… | R7,000 a month |
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