How to Apply Credit Card: Capitec Global One Credit Facility
The Capitec Global One Credit Facility is a modern credit card designed to help you manage your money more effectively. It offers flexible repayment options, low monthly fees, and interest-free periods of up to 55 days. Whether you’re shopping online, paying bills, or travelling abroad, this card gives you convenient access to credit whenever you need it.
Best of all, you can manage everything using the Capitec banking app — from checking your balance to setting your own limits. It’s an easy, smart solution for people who want safe, affordable credit without all the complexity of traditional cards.
What is the Capitec Global One Credit Facility?
The Capitec Global One Credit Facility is a user-friendly credit card linked to your Global One account, offering flexible access to credit. It allows you to spend online or in-store, locally and internationally, with the benefit of up to 55 days interest-free on purchases.
It’s designed for simplicity, with a low monthly fee and competitive interest rate. You can apply quickly and easily, and once approved, manage everything using the Capitec app. With added security features like SMS alerts and full app control, this card offers a safe, affordable, and convenient way to borrow and spend with confidence.
Main features
The Capitec Global One Credit Facility offers a wide range of features that make it a great choice for responsible credit use:
- Up to 55 days interest-free on purchases, giving you time to pay without extra cost.
- Low monthly service fee, making it affordable to keep.
- Competitive interest rates, helping you manage repayments with less financial pressure.
- Accepted globally, online and in-store, ideal for travel or international shopping.
- Real-time transaction notifications, keeping you informed of every purchase.
- App-based control, letting you view balances, manage limits, and make payments instantly.
- Quick approval process, with minimal paperwork.
- Safe and secure, with fraud protection and SMS alerts.
Target audience
This credit card is ideal for South Africans looking for affordable, flexible credit. It suits students, professionals, and everyday earners who want to manage their finances wisely. Whether you’re building credit, budgeting monthly expenses, or just want a backup for emergencies, Capitec offers a reliable, easy-to-use solution.
About bank
Capitec Bank is a South African retail bank known for its innovative and transparent approach to personal finance. Founded in 2001, it has grown to serve over 20 million clients by offering simplified banking at low costs. Capitec focuses on digital convenience, allowing customers to manage their accounts and credit through an easy-to-use app.
The bank is recognized for its strong customer service, straightforward pricing, and financial education initiatives. With a mission to help people live better financially, Capitec continues to challenge traditional banking by delivering smart, affordable solutions tailored to everyday South Africans. It’s banking made easy.
Advantages and benefits of the Capitec Global One Credit Facility
The Capitec Global One Credit Facility offers a range of benefits designed for convenience, flexibility, and affordability. It’s a great option for individuals looking for transparent credit without hidden costs, and who want full control over their spending.
Key Benefits and Advantages:
- Up to 55 days interest-free on purchases when paid in full.
- Low monthly fee of only R40.
- No annual fee, making it budget-friendly.
- Competitive interest rates, based on your credit profile.
- Use worldwide – online, in-store, and internationally.
- Real-time SMS notifications for every transaction.
- App-based management – adjust limits, view balances, and make payments anytime.
- Quick application process, with approval possible within minutes.
- Optional credit insurance for peace of mind.
- Secure card features, including fraud protection and chip & PIN technology.
- Linked to Global One Account, combining savings, transactions, and credit in one place.
Rates and fees
Annuity and possible exemptions
The Capitec Global One Credit Facility does not charge an annual fee, which is a major advantage compared to many other credit cards. You’ll only pay a monthly service fee of R40, which covers account maintenance. This keeps the card affordable, especially for budget-conscious users or first-time credit holders.
Interest rates and charges
Interest rates on the Capitec Global One Credit Facility range between 10.75% and 21.25% per year, depending on your credit profile.
There are no hidden fees — just the monthly service fee of R40. If you repay your full balance within 55 days, no interest is charged. Late payment fees and standard interest will apply if you don’t pay on time. Capitec ensures all costs are transparent, so you always know what you’re paying and can budget accordingly.
Additional Costs
Capitec keeps extra costs minimal. While there are no annual fees, you may incur charges for cash withdrawals at ATMs, international transactions, or late payments. Optional credit insurance is available at an additional cost. These are clearly outlined in the terms, so you can make informed decisions before spending.
Requirements to Apply for the Card Capitec Global One Credit Facility
Eligibility criteria
To qualify for the Capitec Global One Credit Facility, you must:
- Be 18 years or older
- Have a valid South African ID
- Earn a monthly income of at least R5,000
- Have a good credit record
- Reside permanently in South Africa
Required documentation
When applying, you’ll need to provide:
- Original South African ID or Smart ID card
- Your latest three months’ bank statements showing income
- Your latest salary slip or proof of income
- Proof of residence (not older than 3 months) — such as a utility bill or lease agreement
Step by Step to Apply
- Download the Capitec app or visit a Capitec branch.
- Log in (or create a profile) and select “Credit” from the menu.
- Click on “Credit Facility” and choose the amount you want.
- Upload your documents: ID, proof of income, and bank statements.
- Submit your application and wait for a quick credit check.
- If approved, set your limit and agree to the terms.
- Your card will be issued and activated.
- Start using your card online or in-store, with full control via the app.
Comparison with other cards
Compared to the Absa Flexi Core Credit Card, the Capitec Global One Credit Facility is more affordable and easier to manage. While both offer flexible credit and global usability, Capitec’s zero annual fee and lower monthly service cost (R40) make it better for budget-conscious users.
Absa Flexi Core, on the other hand, includes Absa Rewards, which is great for those seeking cashback but comes with higher service fees and stricter credit requirements. Capitec also stands out with its powerful mobile app, allowing full control over your credit facility. For those prioritising affordability, simplicity, and digital convenience, Capitec is the more user-friendly choice.
How to use a Capitec Global One Credit Facility wisely
Once approved, your Capitec Global One Credit Facility card can be used for purchases online or in-store, both locally and internationally. Swipe or insert your card at card machines, or enter your details for online transactions. You can also withdraw cash at ATMs, though fees apply.
Use the Capitec app to monitor spending, manage limits, make payments, and receive real-time transaction alerts. Be sure to repay the full balance within 55 days to avoid interest. It’s a flexible tool to manage daily spending or cover emergencies responsibly.
Credit Card FAQ Capitec Global One Credit Facility
Does Capitec charge an annual fee for this card?
No, there is no annual fee. You only pay a monthly fee of R40, making it more affordable than most traditional credit cards.
How long does it take to get approved?
Approval is usually within minutes, especially if you apply through the Capitec app and submit all your documents correctly and on time.
Can I use the card overseas?
Yes, the card works worldwide, both online and in-store, wherever Mastercard is accepted. Additional fees may apply for foreign transactions or currency conversion.
Customer service and support
Need help? Contact Capitec through these official channels:
- Website: https://www.capitecbank.co.za
- Client Care Centre: Call 0860 10 20 43 (South Africa only)
- Live Chat: Available in the Capitec app
- Twitter Support: @CapitecBankSA
Conclusion: Is it the right credit card for you?
If you’re looking for a low-cost, simple, and flexible credit card, the Capitec Global One Credit Facility is a smart choice. Ideal for everyday use, it’s easy to manage, offers transparent fees, and works globally. Perfect for first-time users, professionals, or anyone wanting full control over their finances.
We hope this information has been very useful to you.
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