Apply For a Capitec Bank Credit Card

Apply For a Capitec Bank Credit Card

How to apply



To apply for a credit card with ease, simply:

  1. Do an online credit card estimate here or on our app
  2. Click I am interested after completing your estimate
  3. Wait for an agent to call and go through the full application process with you
  4. Once approved, visit a branch with your ID to have your credit card issued and to set your daily limits

Get your credit card delivered


If you do an online credit card estimate here or on our app, you can choose to have your credit card delivered to your door within 3 – 5 working days.

You’ll pay a once-off delivery fee of R150 that will be charged to your credit card account the day after your card is delivered. You can also choose to collect your card at any Capitec branch at no cost.

To read some of the frequently asked questions around delivery of your credit card click here

At a branch

Visit a Capitec Bank branch with these documents:

  • Original identification document (must be 18 years or older). If you are married and your surname is no longer the same as indicated in your identification document, a marriage certificate will be required.
  • Latest salary slip
  • Stamped bank statement showing your latest 3 salary deposits

The minimum salary requirement for a credit card application is R5 000, and R10 000 for self-employed clients.


Tip: To speed up the credit application process, bring along your bank card when you apply for credit at a branch. Capitec uses DebiCheck, which allows you to electronically approve the details of a debit order with your bank before it can be processed to your account. You can use your card and PIN to approve the DebiCheck debit order if your credit application is successful.

Credit card benefits

  • Credit limit of up to R250 000
  • Personalised credit based on your profile and affordability
  • Up to 55 days interest-free period
  • Pay a personalised interest rate from 7.25% per year
  • Earn 2.50% per year on a positive balance
  • Do cashless payments (worldwide at Mastercard®
    card machines, online and for telephone and mail orders
  • Zero fees to make secure online purchases, scan to pay from our app or tap to pay using your credit card
  • Access to all your accounts
  • Manage your credit card on our app

Skip the queue! See how much you qualify for on our app, apply online or call us direct on 0860 66 77 89