How to Order a Capitec Bank Credit Card and Manage It Online Easily

You can order a Capitec Bank Credit Card quickly and easily.

You get a digital process that lets you apply for, activate, and manage the card without visiting a branch.

This guide shows you the exact steps to order the card and control all its features online.

Key Features of the Capitec Credit Card

Several important features make the Capitec Credit Card a practical option for everyday use.

These features give you control, flexibility, and better account security.

Flexible credit limit that adjusts based on your income and credit profile.
Competitive interest rate that helps you manage monthly costs.
Zero fees for card swipes when paying at local merchants.
Contactless payments for fast and secure transactions.
Full digital management through the Capitec app and internet banking.
Security controls, including card freezing, limit adjustments, and real-time alerts.

Eligibility Requirements

Basic eligibility rules help Capitec determine who can qualify for a credit card.

These requirements ensure that applicants meet the bank’s financial and verification standards.

South African ID that confirms legal residency and identity.
Minimum monthly income, usually proven through recent payslips.
Three months of bank statements showing consistent income deposits.
Proof of residence not older than three months.
A clean or acceptable credit record based on Capitec’s internal assessment.
Employment verification is requested during the screening process.

How to Order a Capitec Bank Credit Card and Manage It Online Easily

Documents You Need to Apply

Specific documents are required to complete a Capitec credit card application. These items help the bank verify your identity, income, and financial status.

South African ID for identity verification.
Proof of residence issued within the last three months.
Recent payslips to confirm stable income.
Three months of bank statements showing salary deposits.
Employment letter if Capitec requests additional verification.
Any supporting income documents for secondary earnings, if applicable.

Credit Check Process

The credit check helps Capitec evaluate your financial reliability before approving the card.

This review confirms whether you can manage the credit limit you are applying for.

Assessment of your credit score to measure past repayment behavior.
Review of existing debts to check how much credit you already have.
Verification of income stability through payslips and bank statements.
Analysis of repayment history with other lenders and service providers.
Evaluation of affordability based on monthly expenses and financial obligations.

How to Order a Capitec Credit Card

Ordering a Capitec Credit Card can be done through a simple digital or in-branch process.

Each option gives you a clear path to submit your details and complete the application.

Apply through the Capitec app by logging in, selecting “Credit,” uploading your documents, and submitting your request.
Apply at a Capitec branch by bringing your ID, payslips, and bank statements for an in-person assessment.
Complete biometric verification if required during the application.
Review and accept the offered credit limit once Capitec completes its assessment.
Receive an approval decision within the timeline provided by the bank.
Collect or receive your card based on the pickup or delivery option available in your area.

Fees, Rates, and Important Terms

Several fixed charges apply to this account, and knowing them helps you understand the total cost of using the card.

These fees cover setup, monthly maintenance, and the interest applied to your balance.

Initiation (once-off) fee: R 100
Monthly account fee: R 50
Interest rate: 10.50% to 21.00% annually (based on credit profile).
Interest-free period on purchases: up to 55 days when you pay the full balance by the due date.

How to Activate Your New Card

Activating your Capitec credit card is a quick process that can be done through the app or at an ATM. This step ensures the card is ready for secure payments and online use.

Activate through the Capitec app by following the on-screen prompts after logging in.
Set your card PIN inside the app to enable secure transactions.
Enable online payments by turning on the eCommerce feature in the card settings.
Adjust spending limits to match your preferred daily usage.
Activate at a Capitec ATM if you prefer using a physical machine.
Complete a balance inquiry at the ATM to confirm the activation was successful.

How to Manage Your Capitec Credit Card Online

Online tools make it easy to control your account without visiting a branch.

These features help you track spending, adjust settings, and keep your card secure at all times.

Use the mobile app to view transactions, monitor balances, and check available credit.
Download monthly statements directly from the app or internet banking.
Adjust card limits to control daily spending and manage online purchases.
Freeze or unfreeze the card instantly if it is misplaced.
Enable real-time alerts for every transaction to improve security.
Update personal details, such as contact information and addresses, using digital banking.

How to Pay Your Credit Card Balance

Paying your balance on time helps you avoid extra fees and keep your account in good standing.

The bank offers simple payment options that fit your preference and schedule.

Set up a debit order to automate monthly payments and reduce the risk of missed due dates.
Make manual payments via the mobile app or internet banking for full control.
Pay via EFT from another bank by using the correct account details provided in the app.
Use the app’s transfer feature to move funds directly from your main account to your credit facility.
Confirm each payment by checking the updated balance in your transactions list.
Adjust your payment amount if you want to pay more than the minimum due.

Security and Fraud Protection

Security tools are built into the account to protect your money and personal information.

These features help you control activity, prevent unauthorized use, and respond quickly to any suspicious behavior.

Real-time transaction alerts that notify you immediately whenever your card is used.
Card freeze and unfreeze options to block access instantly if the card is misplaced.
Custom spending limits that let you control online, in-store, and international usage.
CVV refresh feature on the digital card for safer online payments.
24/7 fraud monitoring that detects unusual activity and flags risky transactions.
Lost or stolen card support that lets you block the card and request a replacement through the app or the call center.

Customer Support and Contact Information

Here are the verified contact channels for support and inquiries. Use the option that fits your situation.

Personal banking phone number: 0860 10 20 43 (available 24 hours a day).
International phone number: +27 21 440 3580.
WhatsApp support: 067 418 9565 (available daily, 24 hours).
Email for personal banking queries: [email protected].
Credit-related queries phone number: 0860 66 77 89.
Fraud report phone numbers: Personal banking 0860 10 20 43 or WhatsApp 067 418 9565; Business banking 0860 30 92 50.