The Standard Bank Blue Credit Card makes building financial stability possible, even for South Africans with a low or fair credit score. Applicants need a minimum monthly income of just R5 000. Monthly fees are competitive, with up to 55 days of interest-free purchases when statements are settled in full.

Credit limits are tailored to individual affordability and credit profile. Standard Bank provides robust security for online shopping and includes worldwide acceptance. UCount Rewards are earned on qualifying transactions.

How to Apply: Step by Step

First, ensure you meet the age and minimum income requirements (over 18, earn at least R5 000 monthly, and have a valid South African ID).

Prepare verification documents: latest payslip, valid ID, and proof of address. Completion of a short Standard Bank credit assessment is mandatory.

Submit your application online, via the app, or at a branch. You will be notified of approval or need for further info.

On approval, your card is issued and ready for collection or delivery. Details for activating and using the card are provided by the bank upon issuance.

Benefits of the Standard Bank Blue Credit Card

Enjoy UCount Rewards, perfect for maximizing everyday purchases and getting discounts from partners. The card’s low entry requirements make it accessible for most working South Africans—ideal for improving your credit history over time.

With secure online shopping and international acceptance, you can manage personal and online expenses flexibly and safely.

Potential Drawbacks

The card usually has a higher interest rate for those with poor credit, so carrying a balance can be expensive. Credit limits for new or bad-credit users start conservatively.

Some additional charges may apply for cash withdrawals and certain transactions, so it’s essential to review the fee schedule to avoid surprises.

Independent Verdict

If you need your first credit card or want to rebuild your credit with a trusted bank, the Standard Bank Blue Credit Card is a solid choice. Its requirements are straightforward, and its rewards programme stands out, though fees and rates should be watched. Used wisely, it’s among the best options for those looking to manage their finances and boost their creditworthiness.