Standard Bank offers a comprehensive range of credit cards that stand out for their generous credit limits, allowing up to R250,000. With an attractive rewards programme, customers can earn from three times more UCount Rewards Points with every transaction, including up to R10 in fuel rewards per purchase. The cards are designed for various financial needs and include features like up to 55 days interest-free on purchases if the outstanding balance is paid in full. Service fees range from R40 to R290 per month, and interest rates are personalised based on your credit profile.

How to Apply: Step by Step

First, check if you meet the minimum income requirements, which start from R5,000 per month (requirements vary by card tier).

Next, gather necessary documentation such as proof of income and identity. This will help speed up the application process.

Proceed to apply online or via the Standard Bank banking app, where you can complete the affordability check and choose your preferred card.

If approved, you’ll receive your card limit and rate details. An upfront initiation fee of R180 applies.

Once your card arrives, activate it using the banking app to start earning rewards immediately.

Pros

One key pro is the strong reward system: you earn more points using a credit card than a debit or cheque card. Fuel rewards add further value for motorists.

Additionally, the 55 days interest-free on purchases gives you great flexibility. The range of cards, from Blue to World Citizen, means there’s an option for nearly every income bracket.

Cons

Potential cons include monthly service fees that can be higher with premium cards. Personalised interest rates may also not be favourable for every applicant.

The initiation fee and minimum income requirements could be barriers if you are just starting out in your career.

Our Verdict

Standard Bank’s credit card offer is ideal for those looking to maximise everyday spend with valuable rewards and flexible payment terms. There’s a solution for most needs, from affordable entry-level cards to exclusive premium options. While fees and credit requirements exist, these are in line with market standards. Overall, this card programme delivers strong value if you fully use the rewards and pay off your balance to benefit from interest-free periods.