Capitec Credit Card

Capitec was established to offer you an innovative, top-class banking solution that allows you to fulfil all your banking needs in one place.

With their Global One account, you can access world-class technology that’s convenient and user-friendly.

What to expect when you partner with Capitec

Every successful business prides itself in its founding roots and code of ethics that was agreed upon during its establishment. Capitec has divided its code of ethics into four main categories. These ethics act as a guideline for how they treat their customers and tell you what you can expect when you partner with them.

 Capitec’s four categories of ethics are:

• Simplicity – With their all-in-one Global One account, they aim to offer you a banking experience that lets you do all your banking in one place, creating ease and convenience.
• Affordability – They believe in having a long-term, mutually beneficial banking relationship with you. The costs and fees are transparent and affordable.
• Accessibility – Whether you decide to do online banking, use the banking app, go to a branch, or deposit funds at an ATM, you’re always in control of the way you choose to bank.
• Personal service – Capitec regards a personal relationship with its customers as essential. They aim to understand your needs fully and provide you with outstanding customer service.

Some notable facts about Capitec

Capitec was established on the 1st of March 2001 by Riaan Stassen, Michiel Le Roux, and Jannie Mouton. Their headquarters are situated in Techno Park, Stellenbosch in the Western Cape. Capitec’s JSE listing took place on 18 February 2002.

They currently employ more than 14,000 staff members. Capitec currently boasts 850 branches and more than 3,400 ATMs. With more than 18 million active clients, Capitec has shown tremendous growth.

Capitec has won numerous awards for customer satisfaction and prides itself on top-class customer service.

When you decide to bank with them, you become part of the Capitec family. Meeting your financial needs is of the utmost importance to them.

Secure your financial future

Obtaining a credit card can be beneficial in many ways. A well-managed credit card can help you establish a healthy credit record. It also simplifies the acquisition of future credit. Should you want to buy a car or home, your good credit record will count in your favour.

Key features of the Capitec credit card

Credit profile dependant, you could access up to R500,000 in credit. Interest rates are calculated from prime which ranges between 9.75% and 20.25% based on your credit profile. Each transaction that you use your card for rewards you with 1% cash back. All local swipes are free of charge.

Delivery of your credit card is free of charge to your doorstep. You’ll enjoy your first 55 days of credit interest-free. Capitec has added a free benefit of R5 million worth of travel insurance. There’s a once-off initiation fee of R100 and a monthly service fee of R45.

Get more value for your money

Capitec has added additional benefits to their credit cards. These benefits give you even more value for your money. Benefits of Capitec’s credit cards

• Shop online safely and securely
• You can opt for credit insurance
• Get an extra 0.5% cash back on top of the 1% when you join their Live Better program
• Build a healthy credit record
• Get rewarded with 3.50% interest per annum on any positive balance