Standard Bank Blue Credit Card: Affordable Simplicity with R5,000 Limit and Rewards

Get the Standard Bank Blue Credit Card with R40 monthly fee, R5,000 minimum income, up to R250,000 limit, UCount Rewards, and digital management. Simple and secure application process awaits you.

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Standard Bank

Affordable R40 monthly fee, R5,000 minimum income, credit limit up to R250,000. Earn UCount Rewards and enjoy up to 55 days interest-free.




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The Standard Bank Blue Credit Card offers South Africans an easy entry into credit, combining simplicity and affordability. With a R40 monthly account fee and a credit limit up to R250,000, it provides flexible spending across millions of local and international outlets. Minimum monthly income to qualify is R5,000, while cardholders are subject to a personalised interest rate based on their financial profile. For those wanting an interest-free period, simply clear your outstanding balance in full within 55 days to avoid charges.

How to Apply for the Blue Credit Card

Applying is straightforward. You have a choice between online banking, app-based application, cellphone banking, or requesting a call-back. Existing customers log in to their Standard Bank app or online banking and follow prompts under the credit card section. New customers must provide a South African ID or passport, proof of income, recent bank statements, and proof of residence. Approval is subject to credit checks and FICA regulations.

Advantages of the Blue Credit Card

A key benefit is the up to 55 days of interest-free purchases, offering real flexibility if you pay off your full balance monthly. The Blue Credit Card also lets you earn UCount Rewards, turning everyday spending into future savings or perks. Users enjoy digital control, including card activation and management via Standard Bank’s mobile and online platforms.

Potential Drawbacks

The card carries a R40 monthly fee plus a once-off initiation charge of R190, which may deter those seeking fee-free options. Although interest rates are competitive and personalised, individuals with adverse credit profiles might face higher costs. Moreover, the card is light on luxury perks, focusing primarily on utility over exclusive rewards.

Our Verdict

The Standard Bank Blue Credit Card is a solid pick for those looking for an uncomplicated, cost-effective credit facility. Its combination of straightforward rewards, accessible application steps, and robust security features makes it appealing for everyday users. If you prioritise simplicity, transparency, and digital banking, this card is worth considering.

Recommended for you

Standard Bank

Affordable R40 monthly fee, R5,000 minimum income, credit limit up to R250,000. Earn UCount Rewards and enjoy up to 55 days interest-free.




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