Looking for a simple way to maximise your rewards every time you spend? The Standard Bank Credit Card range gives South Africans a reliable option with real advantages. With UCount Rewards, every purchase puts cash or points back in your pocket.

Standard Bank offers a flexible credit limit of up to R250 000. With the added benefit of up to 55 days interest-free if your full outstanding balance is settled, you can manage your cash flow smartly and efficiently. Interest rates are personalised, and monthly fees vary by card.

Customers can enjoy earning 3 times more UCount Rewards Points and up to R10 cash back on fuel rewards. The minimum monthly income to apply varies by the type of card, starting from R5 000.

How to Apply: Step by Step

To apply, check that you meet the minimum income requirement for your preferred card. Gather your ID, proof of income, and supporting documents. Next, complete the online application via the Standard Bank website or the banking app. Wait for quick approval, then start swiping to earn rewards on your purchases.

Pros of the Standard Bank Credit Card

One major benefit is the generous UCount Rewards programme, making every transaction more valuable. The cards also come with strong security, including app-based controls to instantly switch the card on or off. You can benefit from worldwide acceptance, tap-to-pay features, and easy linking to digital wallets.

Another highlight is up to 55 days of interest-free spending, provided you pay your outstanding balance in full each month. This helps you manage your budget while minimising extra costs.

Cons of the Standard Bank Credit Card

Monthly fees can range widely depending on the card tier—from R40 up to R290—which may not suit every budget. The higher-tier cards have strict income criteria, with some options requiring substantial monthly or annual income.

Interest rates are personalised, so some applicants may receive offers that are less competitive than expected, depending on their credit risk profile.

Our Verdict

Standard Bank Credit Cards offer a rewarding and flexible way to spend for most South Africans. If you meet the income threshold and are eager to benefit from rewards on everyday transactions, this card is an attractive option. The variety in the card range ensures there’s a choice for different income levels and reward interests.