Capitec’s Live Better rewards expand to support everyday South African spending

Capitec is building on the success of its Live Better rewards programme – recently ranked the best Financial Service Loyalty Programme for mass market consumers in 2024/5 by the Truth and BrandMapp Loyalty Whitepaper – with an expanded partner network, deeper insights, and a continued focus on helping South Africans get more out of every rand.

• Click here to view the full list of partners and the latest offers.

With over 6.5 million active users, more than 30 retail and service partners, and a simple model that rewards clients for spending and banking better, Live Better is reshaping how value is delivered every day.

“Of our 13 million app clients, more than half actively use Live Better rewards. This reaffirms our mission to make a meaningful difference in our clients’ lives,” says Kelly Goldsworthy, Head of Live Better at Capitec.

Live Better: banking and spending with purpose

Live Better rewards clients for the way they already live – whether it’s transacting smarter with their Capitec credit card or shopping with trusted retail partners.

The programme is built around simple behaviours that unlock everyday value: banking better by earning 1% cash back and 1GB of free Capitec Connect data each month for responsible credit card use, and spending better through discounts and exclusive deals at partner retailers.

Over 30 partners and growing

The Live Better partner network now includes more than 30 brands, and continues to grow. Each partner is carefully selected based on data-driven insights into how and where clients spend — ensuring meaningful, relevant value for Capitec’s 24 million clients, especially the 13 million app users who transact, shop, and save regularly.

Among the latest additions is Boxer, a national grocery chain trusted for delivering great value and community focus.

With 4 million Capitec clients already shopping there and 12 million clients buying groceries up to three times a month, the partnership offers targeted value through monthly savings, cash back, and Boxer B Rewards.

Together, this is helping South Africans make their grocery budgets go further, especially when every cent counts.

“We know that roughly 12 million of our clients buy groceries about three times a month. That’s just the starting point,” adds Goldsworthy.

“We analyse when and where our clients need us most, and bring on partners that meet them there – in their homes, at the tills, and in their wallets.”

Simple, inclusive, and ready to use

Unlike complex, tiered rewards programmes, Live Better is designed for everyone. There are no monthly fees, no complicated terms, and no thresholds to unlock benefits.

Any Capitec client can activate it easy on the banking app and immediately start getting rewards – making Live Better one of the most accessible and practical financial rewards platforms in the country.

“Live Better is not a gimmick – it’s  a meaningful way to help our clients live better in every sense. It’s about more than just rewards, but rather a vehicle that enables South Africans to get more bang for their buck, really stretch their hard earned money in today’s economy and gain everyday savings that not only benefit their pockets, but their lives,” concludes Goldsworthy.

Click here to view the full list of partners and the latest offers.