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Standard Bank
Affordable at R40/month, covers up to R250,000 credit limit with UCount Rewards and 55 days interest free if paid in full. Digital banking and security included.
The Standard Bank Blue Credit Card is a practical choice for South Africans looking for an affordable entry-level credit option. With a manageable monthly fee of R40 and a minimum income requirement of R5,000 per month, it makes access to credit straightforward. It offers a credit limit of up to R250,000, and a personalised interest rate based on your profile.
For those who prefer digital convenience, the Blue Credit Card supports digital payments, tap-to-pay, and robust security features including chip-and-PIN, 3D Secure, and the ability to manage your card via the bank’s app or online. Added perks include UCount Rewards every time you spend and up to 55 days interest-free when the full balance is paid on time.
How to Apply: Step by Step
To apply for the Standard Bank Blue Credit Card, first make sure you meet the income and document requirements. You can start the application online, via the Standard Bank App, or through cellphone banking. Existing customers can log in, fill in their personal and income details, and receive a quick qualification check. Non-customers will need to provide identification, bank statements, and proof of residence.
Pros of the Standard Bank Blue Credit Card
A major advantage is the affordable monthly fee, making it accessible even on a modest budget. The high maximum credit limit offers flexibility for a variety of needs.
Another benefit is the digital focus—secure online shopping, the ability to freeze your card instantly, and rewards for daily purchases. Financially disciplined users can benefit from 55 days interest-free.
Cons of the Standard Bank Blue Credit Card
However, this card doesn’t include premium loyalty programmes or travel insurance as standard. The interest rate is personalised, so individuals with a less-than-ideal credit score may face higher rates.
Also, all applications are subject to credit and FICA checks, which may slow down approval if your documents are not ready.
Our Verdict
The Standard Bank Blue Credit Card is well-suited for those looking for simplicity, affordability, and essential features without unnecessary frills. If you need a secure, everyday credit solution with rewards, this offer is a top contender for the South African market.