Question 1

What is Capitec Live Better Rewards?

Accepted Answer

Capitec Live Better Rewards is Capitec Bank's loyalty and cashback programme. Members earn cashback (paid directly into their Capitec account) on qualifying spend at partner retailers including Checkers/Shoprite, Engen, and various online and retail partners. Cashback rates and additional monthly benefits increase with your Live Better level (1–3), which is determined by your account activity, whether you deposit your salary with Capitec, and the number of qualifying Capitec products you hold.

Question 2

What are the Capitec Live Better levels?

Accepted Answer

Capitec Live Better has three levels. Level 1 is the entry level for any active Capitec account holder. Level 2 requires salary deposit and at least one qualifying Capitec product (such as a credit card or funeral cover). Level 3 is the top tier, requiring salary deposit and multiple qualifying products including typically a Capitec Credit Card. Higher levels earn more cashback per rand spent and receive higher monthly bonus cashback amounts.

Question 3

Is Capitec cashback paid in points or rands?

Accepted Answer

Unlike FNB eBucks or Standard Bank UCount (which use points), Capitec Live Better Rewards pays cashback directly in rands credited to your Capitec account. There is no conversion or redemption process — the cashback appears as a real cash credit. This makes Capitec's rewards particularly easy to understand: what you see is exactly what you get.

Question 4

What is the most important step to reach Level 2?

Accepted Answer

Depositing your salary into your Capitec account is the single most important requirement for Level 2. Without a salary deposit, most accounts remain at Level 1 regardless of what other products are held. Once salary is depositing, holding at least one qualifying product (such as a Capitec Credit Card or Capitec Funeral Cover) typically qualifies an account for Level 2.

Question 5

Does the Capitec credit card earn cashback?

Accepted Answer

Yes. The Capitec Credit Card is the primary cashback-earning vehicle in the Live Better Rewards programme. It earns cashback at partner retailers (Checkers, Shoprite, Engen, and others) and contributes the highest qualifier points toward your Live Better level. Credit card holders who pay their full balance monthly earn cashback interest-free — making it effectively free money on spend they would have made anyway.

Question 6

How do I earn cashback at Checkers and Shoprite with Capitec?

Accepted Answer

Pay your Checkers or Shoprite grocery bill with your Capitec credit card (or qualifying debit card). Capitec Live Better earns cashback on spend at Checkers/Shoprite as one of its highest-earning partner categories — up to 2% at Level 3. You can also stack this with your Checkers Xtra Savings card scan (before payment) to earn Xtra Savings points on the same transaction. Both programmes process independently.

Question 7

Does Capitec charge forex fees on international card purchases?

Accepted Answer

Capitec's credit card charges no foreign transaction fee and transacts at the real Mastercard interbank exchange rate. This makes it one of the most cost-effective cards for international online shopping and travel spend in South Africa. Many users maintain their primary banking elsewhere but specifically use Capitec's credit card for all international transactions to avoid the 2–3% forex markup charged by most SA banks.

Question 8

Can I earn Live Better cashback without a Capitec credit card?

Accepted Answer

Yes, but at significantly lower rates. Without a credit card, you are likely capped at Level 2 and earn reduced cashback percentages at partner stores. The Capitec Credit Card is the highest-impact single product in the Live Better programme — it adds 3 qualifier points toward your level AND earns cashback on all qualifying spend. If you are serious about maximising Live Better rewards, the credit card is the most important product to add.

Question 9

What qualifies as a salary deposit for Capitec Live Better?

Accepted Answer

A regular salary, wage, or income payment deposited into your Capitec account typically qualifies. The payment generally needs to be a regular EFT from an employer or payroll system, not a personal transfer. Check the Capitec App under Live Better → How it works for the current specific criteria, as Capitec may update the qualifying definition. Some members also qualify via regular income deposits from freelance and business payments, though this varies.

Question 10

Do Capitec products like funeral cover really help my Live Better level?

Accepted Answer

Yes. Each qualifying Capitec product (funeral cover, fixed deposit, life cover, personal loan, etc.) adds to your product qualifier count, which directly influences your Live Better level. Capitec Funeral Cover starts from as low as R7/month and is one of the cheapest qualifier points in the Capitec ecosystem. For members close to a level threshold, adding funeral cover or a fixed deposit can push them to the next level and increase their monthly cashback by far more than the product cost.

Question 11

How does Capitec Live Better compare to FNB eBucks and Standard Bank UCount?

Accepted Answer

Each programme has different strengths. Capitec Live Better stands out for its simplicity (cashback paid directly in rands, no point conversion), zero-fee credit card (no forex markup), and Checkers/Shoprite grocery cashback. FNB eBucks is often rated higher for maximum earn rates at top tiers and partner breadth. Standard Bank UCount is strong on Pick n Pay and Engen. Capitec's programme is best for people who: shop primarily at Checkers/Shoprite, want simple cashback rather than a points system, bank internationally, or want very low banking fees (R7/month Global One account).

Question 12

When does Capitec Live Better cashback get paid?

Accepted Answer

Cashback is typically credited to your Capitec savings account on a monthly basis. The exact day varies but most members report it appears in their account between the 1st–5th of the following month. Cashback is paid in rands directly to your account — no redemption action required. You will receive a notification in the Capitec App when cashback has been credited.

Capitec Live Better Rewards Calculator

Step 1 — Your Salary & Account

Step 2 — Products You Hold

Step 3 — Monthly Spending Habits

Your Live Better Level Estimate

🚀 How to Reach Level 3

Your Level 2 Cashback Rates

💰 Cashback Value Projector

Capitec Live Better Levels Explained

Why Capitec Live Better is Different from eBucks & UCount

Where to Earn Capitec Live Better Cashback

What is Capitec Live Better Rewards?

How to Use This Calculator

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