The Standard Bank Blue Credit Card is designed to keep things affordable and accessible without unnecessary extras. With a low monthly fee of R40, a minimum required monthly income of R5,000, and a credit limit of up to R250,000, it’s straightforward for those wanting simplicity. Interest rates are personalised, depending on individual credit history, and you can enjoy up to 55 days interest-free—provided you pay your full outstanding balance monthly.

How to Apply for the Standard Bank Blue Credit Card

• Sign into your Standard Bank App or Internet Banking profile.
• Navigate to the credit card section under ‘Borrow’ or ‘Accounts’.
• Select ‘Apply’ and follow the prompts to check your eligibility and submit your details.
• Alternatively, dial *120*2345# from your mobile or complete a Call Me Back form online.
• Have your SA ID or passport, payslip, three months’ bank statements, and proof of address ready.

Pros of the Blue Credit Card

This credit card stands out for its low monthly service fee and broad limits, providing an accessible entry point for most working South Africans.

On top of the standard banking convenience, you can earn UCount Rewards on every qualifying purchase, making your daily spending even more rewarding.

Cons of the Blue Credit Card

The card is stripped of luxury extras, so you won’t get premium perks or exclusive travel benefits often found in higher-tier offerings.

Additionally, your interest rate is tailored to your credit profile, so it might be higher if you have a weaker credit history.

Final Verdict: Is the Blue Credit Card for You?

If you appreciate simplicity, low fees, and digital convenience, the Standard Bank Blue Credit Card is a solid choice for everyday banking and spending security. Just ensure you meet the income requirements and manage repayments to maximise its benefits.