Banking & Finance · Contact details
Capitec Credit Card Contact Details
The Capitec credit card contact number for applications and credit queries is 0860 66 77 89. You can also apply on WhatsApp at 067 418 9565. For help with credit card repayments, call 0860 66 77 18 or WhatsApp 072 822 1582. To stop a lost or stolen card, use the 24-hour Client Care Centre on 0860 10 20 43. We read these details on capitecbank.co.za on 19 September 2026.
Capitec credit card contact numbers
| What you need | Contact |
|---|---|
| Apply for a credit card, or a credit query | 0860 66 77 89 |
| Apply on WhatsApp | 067 418 9565 |
| Help with credit repayments | 0860 66 77 18, WhatsApp 072 822 1582, or SMS your SA ID or passport number to 30679 for a call-back |
| Lost or stolen card, fraud, delivery changes (24 hours) | 0860 10 20 43 |
| International | +27 21 440 3580 |
| Tracking card delivery (CCD couriers) | 010 020 1028, quoting your ID number |
Use 0860 66 77 89 when you want to apply for a Capitec credit card or have a credit query. Applications can also be started on WhatsApp at 067 418 9565. If your query is specifically about repayments, Capitec lists 0860 66 77 18, WhatsApp 072 822 1582, and the option to SMS your SA ID or passport number to 30679 for a call-back.
Capitec credit card fees and rates
| Initiation fee (once-off) | R100 |
|---|---|
| Monthly fee | R50 |
| Interest rate | 10.50% to 21.00%, based on your credit profile |
| Interest-free period | Up to 55 days on straight purchases |
| Minimum monthly repayment | From 5% of the outstanding balance |
| Budget purchases | Over up to 48 months |
The listed once-off initiation fee is R100 and the monthly fee is R50. The interest rate is 10.50% to 21.00%, based on your credit profile. Straight purchases can have an interest-free period of up to 55 days, while the minimum monthly repayment starts from 5% of the outstanding balance. Budget purchases can be spread over up to 48 months.
Capitec lists these benefits: 1% cash back on all spending, 1GB of free Capitec Connect data each month, free delivery, interest on a positive balance, free local and international airport lounge visits, and free travel insurance of up to R5 million. Credit insurance is available if you do not have your own.
How to apply for a Capitec credit card
Capitec lists several application routes. You can apply online, in the Capitec app, at a branch, by calling 0860 66 77 89, or on WhatsApp at 067 418 9565.
- You must be 18 or older, permanently employed or receiving a pension, and earn at least R1,800 a month.
- Apply online, in the Capitec app, at a branch, on 0860 66 77 89, or on WhatsApp at 067 418 9565.
- You need your original ID, your latest salary slip, and a 3-month bank statement if you do not bank with Capitec.
- If you are self-employed or have several sources of income, choose “Self Employed” as your employment type when you apply.
Capitec credit card delivery and tracking
If you get a credit estimate online or in the app and tap “I am Interested”, an agent calls you to complete the application and asks whether you want delivery or branch collection. Delivery is free and takes 3 to 5 working days. The courier scans your SA ID, Smart ID card, driver’s licence or passport before handing over the card.
To change the delivery date or time, call 0860 10 20 43. You cannot make changes after 16:00 on the day before delivery. If you choose branch collection, you cannot switch to delivery later. If someone else will accept the card, they must show their ID as well as yours. For tracking card delivery with CCD couriers, call 010 020 1028 and quote your ID number.
Capitec credit card straight and budget payments
Straight purchases are interest-free if you pay the full outstanding balance before your next instalment due date. Budget purchases are spread over a fixed term of up to 48 months, with fixed monthly instalments, and interest is charged until they are fully repaid. Capitec suggests budget payments for bigger purchases.
Capitec credit repayment help
For help with credit card repayments, call 0860 66 77 18 or use WhatsApp on 072 822 1582. You can also SMS your SA ID or passport number to 30679 for a call-back. These routes are specifically listed for help with credit repayments rather than new credit card applications.
Other Capitec credit options
Capitec also offers an Access Facility of up to R500,000 in revolving credit, personal loans you can apply for in the app with no branch visit, and home loans. People who do not earn a fixed salary, including the self-employed and those with several monthly incomes, can apply for up to R500,000 of credit for personal use. For any of these, call 0860 66 77 89 or visit a branch.
Capitec’s credit pages also warn that credit enquiries can affect your credit score, and explain the difference between hard and soft enquiries.
Capitec lost card, fraud and disputes
For a lost or stolen card, or a transaction you did not make, call 0860 10 20 43 straight away, or WhatsApp 067 418 9565. The Client Care Centre number is listed as available 24 hours.
For a card purchase dispute, contact the merchant first. If the merchant will not resolve it, Capitec can process a chargeback with the merchant’s bank. Call 0860 10 20 43 or visit a branch with your supporting evidence.
Frequently asked questions
What is the Capitec credit card contact number?
The Capitec credit card contact number for applications and credit queries is 0860 66 77 89. For repayment help, call 0860 66 77 18, while lost or stolen cards, fraud and delivery changes use 0860 10 20 43.
Does Capitec credit card have a WhatsApp number?
Yes. Capitec lists 067 418 9565 for applying on WhatsApp. For credit repayment help, the WhatsApp number listed is 072 822 1582.
How do I apply for a Capitec credit card?
You can apply online, in the Capitec app, at a branch, on 0860 66 77 89, or on WhatsApp at 067 418 9565. The page lists an original ID, latest salary slip and, if you do not bank with Capitec, a 3-month bank statement among the application requirements.
What number do I call for a lost or stolen Capitec credit card?
Call the 24-hour Client Care Centre on 0860 10 20 43 for a lost or stolen card or a transaction you did not make. WhatsApp 067 418 9565 is also listed for lost card or fraud queries.
How do I track Capitec credit card delivery?
For tracking card delivery with CCD couriers, call 010 020 1028 and quote your ID number. To change the delivery date or time, call 0860 10 20 43.
How do I know these Capitec credit card details are correct?
We only list details read from the official website or channels of Capitec Credit Card, and this page shows the date they were checked. Confirm on the official site before you share personal information or make a payment.
Sources
- Capitec, Credit Card: capitecbank.co.za/personal/credit/credit-card (read 19 September 2026)
- Capitec, Credit: capitecbank.co.za/personal/credit (read 19 September 2026)
- Capitec, FAQs (credit card delivery) and Contact us: capitecbank.co.za (read 19 September 2026)