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Standard Bank
Affordable fees, flexible credit limit up to R250,000, and rewards for your spending. Enjoy up to 55 days interest free with UCount Rewards and secure banking features.
The Standard Bank Blue Credit Card is designed for South Africans seeking an affordable and straightforward credit facility. With a manageable monthly fee of R40 and a minimum income requirement of R5,000, this card is highly accessible. It comes with a credit limit of up to R250,000 and interest rates that are personalised based on your credit profile. Importantly, if you settle the full balance within 55 days, you pay zero interest.
To apply, first make sure you are 18 or older, with a minimum monthly income of R5,000. Prepare your South African ID or passport, a recent payslip, bank statements for the last three months, and proof of residence. Applications can be completed online, via the Standard Bank app, cellphone banking, or by requesting a callback. For those already with Standard Bank, the online process is quick and intuitive, ensuring you have full control over your application.
How to Apply – Step by Step
- Sign in to your profile via Internet Banking or the app
- Choose to open a new credit card account
- Complete the application with required documents
- Alternatively, use cellphone banking or request a callback
Benefits
You can use the Blue Credit Card anywhere Mastercard is accepted, with security features like chip & PIN and 3D secure online shopping. Users can manage features, change limits, and even switch the card on/off via the app. Earn UCount Rewards Points for each qualifying payment – making your everyday purchases work for you.
Drawbacks
There are no premium loyalty benefits, and if you don’t pay your balance in full, variable interest rates apply. The card requires at least R40 monthly, and every application is subject to credit checks and FICA rules – this may not be ideal for those with poor credit history.
Verdict
The Standard Bank Blue Credit Card stands out for its affordability, clear reward structure, and practical security features. It’s one of the better options for those wanting simplicity and straight-forward access to credit, especially if your primary need is affordability and digital convenience.