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Capitec Bank
Enjoy affordable monthly fees from R45 and rates from prime (10.25%). Get up to R500,000 in credit and 1% cashback on every purchase.
Introducing the Capitec GlobalOne Credit Card
The Capitec GlobalOne credit card leads the market in affordability and benefits. With a low monthly fee of R45, a personalised rate from 10.25%, and a generous credit limit up to R500,000, it is designed to suit a variety of needs. Applicants earning R5,000 per month (R10,000 if self-employed) are eligible. Every spend earns 1% cashback, and there are no currency conversion fees when shopping overseas. Additional perks like up to 55 days interest-free and free travel insurance up to R5 million stand out strongly for users who value their rands.
How to Apply for Your Capitec Credit Card
- Visit any Capitec branch or start your application online via their platform.
- Provide proof of income and identification (such as your ID and latest payslip).
- Capitec reviews your credit profile and confirms your personalised rate and credit limit.
- Once approved, sign the credit agreement and collect or activate your card.
Advantages of the Capitec GlobalOne Card
With low monthly fees and competitive interest rates starting from prime, this card is accessible and cost-effective for users who maintain good credit.
The 1% cashback on all purchases and lack of foreign currency fees are significant advantages for those who shop both locally and internationally.
Considerations Before You Apply
You’ll need to meet specific minimum income requirements, so this is not ideal if you earn under R5,000 a month.
Those with weaker credit profiles may receive higher interest rates, reaching up to 21%, and the maximum credit limit depends on income and credit standing.
Our Verdict
The Capitec GlobalOne credit card stands out for its blend of low fees, excellent rewards, and flexibility. It is well-suited to South Africans looking for reliable everyday value and competitive features.