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More freedom to spend, travel, and save your way, without complications!
Many people look for financial solutions that bring convenience, savings, and real benefits in everyday life without unnecessary complications or hidden costs.
A good credit card can be the key to balancing expenses, enjoying exclusive perks, and ensuring security in every transaction.
In South Africa, consumers have more options each year, but not all manage to combine convenience, accessibility, and rewards that truly make a difference.
Now it is your turn to discover everything about the Capitec Global One Credit Card and see why it can be the ideal partner for your finances!
Get to Know the Capitec Global One Credit Card: cashback and international use with no conversion fees
The Capitec Global One Credit Card is issued by Capitec Bank, a solid and trustworthy South African institution that stands out for innovation in financial solutions.
With recognized credibility, Capitec Bank offers accessible and transparent services, winning millions of customers and becoming a reference in the South African banking market.
The card can offer credit limits that vary according to the client’s profile, starting at around R 5,000 and reaching up to R 500,000.
People choose this card for its combination of cashback, up to 55 interest-free days, and international use with no conversion fees, ensuring more savings.
Main benefits of the Capitec Global One Credit Card
The main benefits of the Capitec Global One Credit Card stand out for providing real advantages, helping customers save money and simplify their finances.
By combining convenience, rewards, and transparency, this card has become a popular choice for those seeking security, practicality, and opportunities in their purchases.
Cashback on every purchase
Cashback turns every purchase into direct money back, ensuring that the client receives a portion of the amount spent without any extra effort.
This benefit applies to both online transactions and in-store purchases, offering consistent savings for those who use the card in different spending contexts.
The Capitec Global One Credit Card offers 1% cashback on every purchase, a practical advantage that adds value to every expense made.
This feature makes the card not just a payment method but also a tool that encourages conscious and rewarding spending.
Connection with the Live Better program
The Live Better program expands the card’s benefits by bringing extra rewards, special discounts, and exclusive experiences in different categories of shopping and services.
By joining, clients enjoy everything from partner store bonuses to access to exclusive offers, making card use even more rewarding.
This program allows benefits to be centralized in one place, offering convenience to anyone who wants their purchases to generate more value.
Integration with Live Better turns the card into a powerful ally for saving more, reinforcing the bank’s commitment to delivering concrete benefits.
No currency conversion fee abroad
Traveling with peace of mind is possible since the card waives the currency conversion fee, allowing payment in foreign currencies without additional charges.
This advantage provides significant savings on international trips, ensuring that clients enjoy more experiences and spend less on hidden operating costs.
By removing conversion fees, the card proves ideal for those who shop online at foreign websites and for frequent travelers.
This feature reflects the bank’s commitment to simplicity and transparency, making financial experiences fairer and more accessible worldwide.
Free travel insurance
One of the most valued differentials is the included travel insurance, which covers medical expenses, emergencies, and unexpected events at no additional cost.
This benefit guarantees protection and peace of mind, allowing the user to travel confidently, knowing they will be covered in unexpected situations abroad.
The insurance adds value to the card, making it a practical choice for those who want to combine financial perks with personal safety.
This feature shows that the bank goes beyond expectations, offering not just economic advantages but also complete protection for customers on the move.
Up to 55 interest-free days
The card provides up to 55 days without interest charges, as long as the full payment is made within the billing due date.
This benefit helps financial organization, allowing clients to manage their budget better without penalties or extra costs in the short term.
With this condition, the card stands out as an ally for those who seek flexibility and peace of mind in personal finance management.
This feature encourages responsible credit use, ensuring that each purchase can be planned more strategically and consciously.
Attractive interest rates starting from the prime rate
The card offers competitive interest rates aligned with the prime rate, providing affordable conditions that make credit more advantageous and less burdensome.
This feature shows the bank’s concern for providing fairer financial solutions that fit consumer reality and the current economic context.
With lower interest, clients can keep their finances balanced and reduce debt impact, building more confidence in using credit.
This benefit positions the card as a smart alternative for those seeking accessible credit while maintaining financial safety and stability.
Earnings on positive balance
Beyond traditional perks, the card offers earnings on positive balances, allowing deposited amounts to generate automatic financial returns.
This differential turns the card into a multifunctional tool, enabling clients not only to spend but also to make their money grow.
The estimated return offers a simple way to earn extra income without the need for complex investments or bureaucratic procedures.
This feature highlights the bank’s commitment to delivering more value, combining credit and financial returns in one banking product.
Access to building credit history
Responsible use of the card helps create or strengthen a credit history, an essential aspect for obtaining better financial conditions in the future.
With regular payments and conscious control, clients build a positive reputation in the market, increasing their chances of accessing loans and financing.
The bank considers this a real benefit since it encourages healthy financial behavior and provides expanded opportunities for responsible credit.
The Capitec Global One Credit Card therefore becomes a strategic resource for anyone who wants to build credibility and open doors to new achievements.
Local purchases with no extra fees
In the domestic market, the card allows in-store or online purchases with no additional fees, ensuring convenience and savings in transactions.
This advantage simplifies the consumer experience, letting the card be used daily without concerns about hidden costs in purchases.
The benefit reinforces the bank’s transparency, ensuring that every transaction is carried out fairly and clearly, with no unwanted surprises.
This demonstrates the institution’s commitment to valuing customer trust by offering solutions aligned with real everyday needs.
Eligibility requirements to apply for the Capitec Global One Credit Card
To obtain the card, applicants must meet basic criteria that guarantee financial responsibility and security in the approval process.
| Requirement | Description |
| Minimum Age | Must be 18 years or older |
| Residency / Identity | Must be a South African citizen or permanent resident with a valid SA ID |
| Proof of Residence | Recent proof of address (not older than 3 months) |
| Minimum Income (Salaried) | R 5 000 per month |
| Minimum Income (Self-employed) | R 10 000 per month |
| Financial Documents | Recent payslip and bank statements for the last 3 months |
| Credit History | A good or acceptable credit score improves approval chances |
| Additional Documentation | If applicable, e.g., marriage certificate when ID does not reflect current name |
By meeting these requirements, applicants increase their chances of approval and access to the exclusive benefits offered by the Capitec Global One Card.
Step by step to apply for the Capitec Global One Credit Card
Applying for the card is simple and can be done quickly by following practical steps defined by Capitec.
Credit Card
Capitec Global One
- Access the Capitec app or website: choose the credit card application option.
- Fill in your personal and financial details: include income, contact information, and required documents.
- Submit required proof: recent payslip, bank statements, and valid proof of residence.
- Wait for review and approval: after evaluation, the initial limit will be defined according to your profile.
By following these steps, you ensure an organized application, increasing your chances of approval without unnecessary bureaucracy.
Applicable fees for the Capitec Global One Credit Card
The applicable fees for the Capitec Global One Credit Card are clearly and transparently defined, allowing clients to know exactly how much they will pay.
Understanding each fee helps the user organize their budget, avoid surprises, and make conscious choices when using credit in different situations.
| Transaction Type | Fee / Charge |
| Initiation (once-off) | R 100 |
| Monthly service fee | R 50/month |
| Interest (APR) | 10.50% – 21.00% per annum |
| International processing fee | R 3 per approved transaction |
| International POS purchases | R 10 per transaction |
| International ATM withdrawal | R 70 per withdrawal |
| International online transaction limit | R 50 000 (per transaction, regulatory limit) |
Initiation fee
The initiation fee is a once-off amount paid at the start of the card contract, covering administrative costs of issuance and initial activation.
For example, when applying for a R10,000 loan, this initiation fee could be R100, increasing the initial cost of the contract.
In the case of the Capitec Global One Credit Card, the initiation fee is charged only once and does not recur afterward.
This amount is relatively low compared to other financial services and ensures proper processing of the client’s credit opening.
Annual interest rate
The annual interest rate is applied to outstanding balances not paid within the grace period, varying according to the client’s credit profile.
If you request a R10,000 loan and keep a balance open, annual interest between 10.5% and 21% will apply.
This percentage represents the main cost of credit, being calculated monthly on the balance that was not fully settled in the statement.
Knowing this rate is crucial to avoid surprises since delays or installments increase the final amount to be repaid in the contract.
Service fee
The service fee is a fixed monthly charge for using and maintaining the credit card account, regardless of movement.
For a R10,000 loan, this fee would represent R50 per month, adding up to R600 over 12 months of the contract.
This cost covers administrative expenses related to managing the card, ensuring support and the constant functioning of the service.
Although it may seem small individually, the amount accumulated over time impacts the total cost and must be considered by the consumer.
International processing fee
This fee is charged on approved transactions abroad, including online purchases in foreign currency, covering administrative costs of international validation and settlement.
If you make a R10,000 loan and spend it on international purchases, a R3 processing fee would be added per transaction.
This fee is specific to purchases made outside the country and does not apply to local purchases, which remain free of extra charges.
By understanding this fee, clients can plan international expenses more clearly, making the most of the benefit of zero currency conversion fees.
International purchase fee
This fee refers to fixed charges applied to purchases made at points of sale abroad, different from the processing fee on approved transactions.
For example, if you spend R10,000 on an international purchase, a R10 fee would be applied per transaction at foreign card machines.
This charge applies specifically to physical operations carried out abroad, being fixed and predictable for any card usage overseas.
Having clarity about this fee helps clients calculate real travel costs, allowing for more conscious financial control when using credit abroad.
International ATM withdrawal
Withdrawing cash at international ATMs has a high fixed cost, recommended only in emergencies to avoid compromising the budget with unnecessary fees.
If you withdraw R10,000 from an ATM abroad, you will pay a R70 fee for each withdrawal made during the operation.
This fee does not depend on the withdrawn amount, being fixed per transaction, which makes multiple withdrawals less advantageous financially.
Planning withdrawals in advance and using digital payment alternatives is a way to reduce additional costs during international travel.
Online transaction limit
There is a maximum limit for international online transactions, set at R50,000 per operation, in line with the South African Reserve Bank rules.
For example, a R10,000 loan used for online purchases abroad would be within the permitted transaction limit.
This cap ensures greater security and control in digital operations, preventing high-value transactions that could compromise financial stability.
The Capitec Global One Credit Card complies with this rule, balancing flexibility for online use with regulatory security in international transactions.
Conclusion
We have seen that the Capitec Global One Credit Card combines convenience, real benefits, and transparent fees, helping clients plan their finances better.
With advantages such as cashback on every purchase, zero currency conversion fees, and up to 55 interest-free days, it stands out in the financial market.
In addition to clear benefits, the card offers international security, flexible limits, and the possibility of building a more solid and reliable credit history.
Did you enjoy it? Want to understand better how other affordable credit options work? Then check out our article about the R1900 loan in South Africa!
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