Updated September 28, 2026 · DebitCue Editorial Team
Capitec Bank vs IDFC FIRST Bank Credit Cards
IDFC FIRST Bank Credit Cards
Capitec Bank
Higher score in this comparison
What sets them apart
| Compare | Capitec BankReviewSee alternativesSee alternatives | IDFC FIRST Bank Credit CardsReviewVisitVisit |
|---|---|---|
| Annual fee | ZAR 0 | ₹0 |
| APR | 9.75% | 8.5%Lower |
| Rewards rate | 0.5% cashback on qualifying purchases (5+ transactions monthly) | 1% online up to INR 10,000 per statement cycle, 2% on incremental online spends above INR 10,000, 1% on UPI via the IDFC FIRST Bank app, 1% in-store, 0.5% on select categories, plus 1% bonus on hotel and flight bookings in the app; total capped at INR 500 per statement cycle |
| Credit needed | Fair | Poor |
| Perks | Travel insurance, Tap to pay, Virtual cards, Temporary card freeze, Contactless payments | Personal accident cover of INR 200,000, Lost card liability cover of INR 25,000, UPI enabled RuPay credit card auto linked to the IDFC FIRST Bank app, No income proof or credit history required, Fixed deposit keeps earning interest while funding the card, Zero forex markup on international spends, Cash withdrawal interest free for up to 45 days at a nominal fee of INR 199 plus GST |
| Cashback rate | 0.5% | 0.5% to 2%Higher |
Same on both: Currency conversion fee (0%), Rewards type (Cashback), Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Capitec Bank scores higher overall: 9.1 vs 8.8.
- Founded is lower at Capitec Bank: 2001 vs 2018.
- APR is lower at IDFC FIRST Bank Credit Cards: 8.5% vs 9.75%.
- Perks: only Capitec Bank offers Travel insurance, Tap to pay, Virtual cards.
- Perks: only IDFC FIRST Bank Credit Cards offers Personal accident cover of INR 200,000, Lost card liability cover of INR 25,000, UPI enabled RuPay credit card auto linked to the IDFC FIRST Bank app.
- Cashback rate is higher at IDFC FIRST Bank Credit Cards: 0.5% to 2% vs 0.5%.
- Support channels: only Capitec Bank offers Email, Chat.
- Features: only Capitec Bank offers Travel.
- Features: only IDFC FIRST Bank Credit Cards offers Rewards, Secured.
Our verdict on each
Capitec Bank
Capitec Bank suits South African spenders who want everyday spending and borrowing from the same bank, not the lowest monthly cost. Its credit card has an annual fee of ZAR 0 and an APR of 9.75%, while the debit side carries a monthly fee of ZAR 7.50.
IDFC FIRST Bank Credit Cards
IDFC FIRST Bank Credit Cards suit adults with poor credit who want a cashback card they can use abroad without extra cost. The annual fee is INR 0 and the currency conversion fee is 0%, so most spending stays fee free.
Score breakdown
| Area | Capitec Bank | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Cost | 9.0The debit account charges ZAR 7.50 a month and free ATM withdrawals sit at ZAR 0. | 9.5HigherAnnual fee of INR 0, APR of 8.5% and currency conversion fee of 0% keep the running costs low. |
| Offer | 9.3Higher | 8.9 |
| Trust | 9.2Higher | 8.1 |
Spending 1,000 abroad
Capitec Bank
0
0% of 1,000
IDFC FIRST Bank Credit Cards
0
0% of 1,000
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
If neither fits
Coinbase has cashback rate at 2% to 4%, against 0.5% for Capitec Bank and 0.5% to 2% for IDFC FIRST Bank Credit Cards.
Coinbase reviewHow they place
| Ranking | Capitec Bank | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Credit cards | 154 of 1020 | 32 of 1020 |
| Bad credit and credit builder cards | 11 of 23 | 3 of 23 |
| Cashback cards | 55 of 203 | 11 of 203 |
Every fact side by side
| Fact | Capitec Bank | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Travel | Rewards, Secured |
| Legal entity | Capitec Bank Limited | IDFC FIRST Bank Ltd |
| Headquarters | South Africa | India |
| Founded | 2001Lower | 2018 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | Capitec Bank | IDFC FIRST Bank Credit Cards | Median |
|---|---|---|---|
| APR | 9.75%lowest quarter | 8.5%lowest quarter | 19.39% |
| Currency conversion fee | 0%below the median | 0%below the median | 1% |
| Cashback rate | 0.5%lowest quarter | 0.5% to 2%above the median | 1.5% |
Median across 312 listed cards.
Pros and cons
Capitec Bank
Pros
- Currency conversion costs 0%, so spending in another currency adds no fee on top of the rate.
- Cashback of 0.5% on qualifying purchases, once a set number of transactions go through each month.
- Perks run to travel insurance, tap to pay and virtual cards, covering both everyday payments and travel.
Cons
- The debit account charges ZAR 7.50 a month, where the site median is €0.
- Free ATM withdrawals are set at ZAR 0, so cash machine use is not covered.
- Cashback of 0.5% applies only once a set number of transactions go through each month.
IDFC FIRST Bank Credit Cards
Pros
- Annual fee of INR 0 makes it a no annual fee card, matching no annual fee.
- Currency conversion fee of 0% means international spends carry no extra markup, ahead of the site median of 1%.
- APR of 8.5% sits well under the credit card median of 20.85%.
Cons
- Cashback is capped each statement cycle, so heavy spenders earn less than the headline rate.
- The deposit backing the card keeps earning interest, but the money stays tied up while it funds the limit.
- Support runs on phone and help centre only, so there is no chat or email route listed.
Who each suits
Capitec Bank
Who it suits
- South African residents who want debit spending and a credit card from the same bank, run by Capitec Bank Limited.
- People who pay in other currencies, since the conversion fee is 0%.
- Cardholders who want travel cover, with travel insurance among travel insurance, tap to pay and virtual cards.
Who should look elsewhere
- Readers who want no monthly account charge: Wise charges £0.
- Borrowers who want a secured card rather than a debit card: Varo Believe Secured Credit Card charges $0.
- Shoppers who want a Visa network: Chime Card charges $0, where this card runs on mastercard.
IDFC FIRST Bank Credit Cards
Who it suits
- Adults in India with poor credit who need a card without income proof or a credit history.
- Anyone who spends online, on UPI through the app and abroad and wants cashback on it.
- People with a RuPay credit card they want auto linked to the bank app.
Who should look elsewhere
- Frequent cash withdrawers, because cash advances come with a fee and a short interest free window.
- Chasers of points or miles, since the rewards are plain cashback.
- Shoppers who want lounge access or travel insurance benefits in a single fee free card.
Current offers
IDFC FIRST Bank Credit Cards
Current offer
Bonus
Cashback on 1st transaction with the Hello Cashback Credit Card: INR 250
Applies to the first transaction on the Hello Cashback Credit Card; up to 1% cashback on UPI spends
Source, checked September 26, 2026
Country by country
| Country | Capitec Bank | IDFC FIRST Bank Credit Cards |
|---|---|---|
| India | No | Yes |
| South Africa | Yes | No |
Questions about each
Capitec Bank
How much does the Capitec Bank debit account cost each month?+
The debit side charges a monthly fee of ZAR 7.50. That sits above the site median of €0, so the account is not the cheapest place to hold everyday spending money. The credit card is a separate product, billed on its own terms.
What does the Capitec Bank credit card charge in fees and interest?+
The credit card has an annual fee of ZAR 0 and an APR of 9.75%, and it runs on the no annual fee model. The debit account is a separate product billed at ZAR 7.50 a month, so opening both means paying both.
IDFC FIRST Bank Credit Cards
Does this credit card charge an annual fee?+
No. The annual fee is INR 0 and the card is listed as a no annual fee model, so holding it costs nothing across a year. Many cards in the lists are not so lucky, with an annual fee median of €0 and a top quartile of €4.89. A small cashback rate of 0.5% to 2% is the main reward on offer.
What interest rate will I pay if I carry a balance?+
The APR is 8.5%, which is below the credit card median of 20.85% and the site median of 20.97%. It is a low rate for a card aimed at people with poor credit, but it is not a balance free card, so carrying money month to month still costs you. Paying in full avoids the interest entirely.
Other options to compare
Other matchups
- IDFC FIRST Bank Credit Cards vs Nexo
- Capitec Bank vs Petal
- Capitec Bank vs Ocean Finance Card
- Capitec Bank vs Capital One UK
- Capitec Bank vs Aqua Card
- IDFC FIRST Bank Credit Cards vs Petal
- IDFC FIRST Bank Credit Cards vs Varo Visa® Debit Card
- IDFC FIRST Bank Credit Cards vs Varo Believe Secured Credit Card
- IDFC FIRST Bank Credit Cards vs Cashably
- IDFC FIRST Bank Credit Cards vs Access Bank Cards
- IDFC FIRST Bank Credit Cards vs U.S. Bank
- IDFC FIRST Bank Credit Cards vs Mission Lane
- IDFC FIRST Bank Credit Cards vs Bitpanda
- IDFC FIRST Bank Credit Cards vs Bitpanda Card
- Capitec Bank vs Current Build Card
- IDFC FIRST Bank Credit Cards vs Compass
- IDFC FIRST Bank Credit Cards vs Current
- IDFC FIRST Bank Credit Cards vs Coinbase
- IDFC FIRST Bank Credit Cards vs Rahalaitos luottokorttikampanja
- IDFC FIRST Bank Credit Cards vs N26 Go
IDFC FIRST Bank Credit Cards
Capitec Bank