Capitec Global One Credit Card: Benefits, Fees, Rewards and Eligibility in South Africa

---

The Capitec Global One Credit Card is one of the fastest-growing and most accessible credit cards in South Africa.

Known for its low fees, simple structure, and up to 55 days of interest-free purchases, it appeals to both first-time credit users and savvy spenders looking for straightforward rewards.

With competitive interest rates, seamless app integration, and global acceptance, it has become a top choice among South Africans.

---

Key features of the Capitec Global One Credit Card

Here’s why it’s one of South Africa’s most popular credit cards:

• Low monthly fee (R40) makes it highly affordable.
• Up to 55 days interest-free if you settle the balance in full.
• 1.5% cashback on purchases credited directly to your account.
• Global Visa acceptance for travel and online shopping.
• Linked to the Capitec app, offering complete control and transparency.

---

Rewards and cashback

The Capitec Global One doesn’t rely on complex reward tiers. Instead, it offers straightforward cashback:

• Earn 1.5% cashback on all card purchases, automatically credited.
• No need to redeem points or track loyalty systems.
• Ideal for users who prefer instant value instead of point-based rewards.

---

Capitec Global One Credit Card fees (2025)

Fee Type	Cost
Monthly service fee	R40
Initiation fee	R100 (once-off)
Supplementary card fee	Not offered
Cash withdrawal fee	R2.25 per R100
International fee	No foreign transaction fee

Its no foreign transaction fee is particularly attractive for frequent travellers or online shoppers.

---

Eligibility requirements

To qualify for the Capitec Global One Credit Card, you need:

• Minimum income of R5,000 per month.
• A valid South African ID or passport (for residents).
• Proof of income: 3 months of payslips and bank statements.
• A credit score above 600 to ensure approval.

---

Benefits beyond cashback

• 55-day interest-free window for purchases paid in full.
• Secure online payments with 3D Secure OTP.
• Low-interest rate compared to many mid-tier cards.
• Integrated budgeting tools within the Capitec app to manage spend easily.

---

How Capitec compares to other entry-level cards

Card	Monthly Fee	Rewards	Interest-Free Days
Capitec Global One	R40	1.5% cashback	55 days
Standard Bank Gold	R55	UCount (20% fuel/grocery)	55 days
FNB Aspire (eBucks)	R45	eBucks (15%)	55 days
Nedbank Gold (Greenbacks)	R50	Greenbacks Rewards	55 days

Capitec wins on simplicity and low fees, but lacks the fuel and grocery-specific rewards offered by FNB and Standard Bank.

---

Travel and global shopping benefits

• Accepted worldwide at all Visa merchants.
• No currency conversion fee, making it perfect for international travellers.
• Safe online shopping with OTP verification and virtual card options.

---

Security features

• Real-time transaction alerts.
• App-based card locking for added safety.
• Integrated fraud detection and encrypted payments.

---

Tips to maximise the Capitec Global One

1. Pay your balance in full monthly to avoid interest.
2. Use it for online international shopping (no foreign fee).
3. Combine cashback with daily purchases like groceries and fuel.
4. Monitor spend and cashback in the Capitec mobile app.

---

Official resources:

• Apply for Capitec Global One Credit Card
• Capitec Banking App

---

Conclusion

The Capitec Global One Credit Card is an affordable, transparent, and globally accepted option ideal for South Africans wanting simple cashback and low fees. While it lacks luxury perks, it remains one of the best entry-level credit cards in South Africa for budget-conscious users.

---

FAQs

1. What is the minimum income for Capitec Global One?
R5,000 per month.

2. Does it include travel insurance?
No, but it offers global Visa acceptance and zero forex fees.

3. Is there a supplementary card option?
No, currently Capitec issues single cards per account holder.

4. How does cashback work?
You get 1.5% cashback credited automatically to your account monthly.

5. Is it good for international shopping?
Yes. With no foreign fees, it’s excellent for online and overseas spending.