Standard Bank’s Credit Card range offers a notable selection for South Africans seeking generous rewards. Cardholders can earn up to three times more UCount Rewards Points than with a cheque or debit card, plus up to R10 back per litre in fuel rewards at selected partners. Credit limits reach up to R250,000 and you benefit from up to 55 days interest-free if you settle your outstanding balance in full each month. Interest rates are personalised and monthly fees range from R40 to R290 depending on the card choice. Qualification is subject to income and Standard Bank’s lending criteria.

How to Apply for a Standard Bank Credit Card

1. Visit the Standard Bank website and select your preferred credit card.
2. Check if you meet the minimum income and credit requirements for your chosen card.
3. Complete the online application form, providing your ID and proof of income.
4. Submit your application and await credit approval based on your profile.
5. If approved, follow the instructions to activate and use your credit card.

Pros of the Standard Bank Credit Card Range

One major advantage is the boosted UCount Rewards, giving you significant value back on everyday spending and especially on fuel purchases.

With broad eligibility across several income groups, Standard Bank provides accessible options, from the entry-level Blue Card to premium offerings like the World Citizen and Diners Club cards. Security features, interest-free periods, and digital conveniences enhance usage.

Cons to Consider

Monthly account fees are tiered and can be relatively high for the premium cards. You also need to meet income requirements that may be restrictive for some applicants.

Rewards and benefits are tied to program participation and may require ongoing engagement to maximise. Late balance settlement incurs standard interest.

Verdict: Should You Apply?

For those with the qualifying income and who value rewards — especially on fuel — Standard Bank’s card range stands out. It is suited to users keen on maximising rewards and enjoying flexible card products. The range’s personalisation and digital tools further improve the experience. If rewards and reliability are priorities for your next credit card, Standard Bank deserves your attention.