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Standard Bank
Affordable fees, up to R250,000 limit, tap-to-pay, and earn UCount Rewards. Minimum income only R5 000 p/m. Personalised interest rates.
The Standard Bank Blue Credit Card is an easy-entry card for South Africans looking for basic credit with low fees and practical features. With a modest monthly fee of R40, applicants need to show a minimum income of only R5 000 per month. Credit limits start at R5 000, reaching up to R250 000 for qualifying applicants, subject to credit approval. Interest rates are not fixed but are personalised—so your financial profile will determine what you pay. The onboarding process is straightforward, and you can manage your card digitally.
How to Apply: Step-by-Step
To apply, you’ll need to sign in to your Standard Bank App or Internet Banking. Simply navigate to the “Borrow” or credit card option and follow the prompts. Alternatively, you can use cellphone banking by dialing *120*2345# and selecting the credit card menu. For those without a Standard Bank account, prepare your ID, payslip, three months’ bank statements, and proof of residence. Anyone over 18 who meets the income requirement can apply.
Advantages
One of the standout features is the transparent fee structure, making it easy to budget. UCount Rewards allow you to earn points on every purchase, providing extra value for your everyday spending. Another pro is the up-to-55 days interest-free period when you repay your balance in full, giving you flexibility and breathing space for payments.
Disadvantages
This is a no-frills card, so don’t expect complementary airport lounge access or travel insurance. Personalised interest rates mean that those with average credit may not always get favourable rates. Also, the R190 initiation fee is a once-off cost to keep in mind when signing up.
Final Verdict
If you need an affordable, simple credit solution with digital management features and rewards for spending, the Standard Bank Blue Credit Card is a strong contender. While benefits are basic, the application requirements are accessible, and the value on everyday spending is clear. This card is best for those starting their credit journey or managing a straightforward credit facility.
