The Standard Bank Blue Credit Card is designed for South Africans seeking an uncomplicated, affordable credit facility. Its standout feature is the modest R40 monthly fee and a manageable minimum income requirement of R5,000 per month. The credit limit can be as high as R250,000, determined by your application and financial review. Interest rates are personalised, and you can benefit from up to 55 days of interest-free spending if you pay the balance in full. This card does not attach unnecessary extras, instead focusing on core features like global Mastercard acceptance and in-app security controls.

How To Apply for the Blue Credit Card

To apply, you should gather your South African ID (or passport if you are not a citizen), your latest payslip, three months’ bank statements, and recent proof of residence. Applicants must be over 18 and earn at least R5,000 per month. You can apply through the Standard Bank website, their mobile app, or by using the *120*2345# cellphone banking service. Completing a ‘call me back’ request is also an option if you prefer a consultant to get in touch. Approval is subject to standard credit and FICA checks.

Benefits of the Blue Credit Card

The card’s primary strength lies in its accessibility and low ongoing cost. It supports both chip-and-PIN as well as tap-to-pay for quick in-store transactions up to R500. With Mastercard, your card is accepted globally and online. The UCount Rewards programme is included, letting you earn points each time you make a qualifying purchase. Enhanced digital security is available via 3D Secure for online shopping and app features that let you switch your card functionality on or off as needed. Managing the card is simple, thanks to integration with banking channels such as ATMs, the app, or Internet banking.

Downsides to Consider

On the downside, the Blue Credit Card does not provide extensive loyalty benefits beyond UCount Rewards. Those desiring premium perks or travel benefits may need to look to higher-tier cards. Also, the once-off initiation fee of R190 applies, which could affect initial out-of-pocket costs. The credit limit and interest rates are based on your credit record, so those with lower scores could be offered less favourable terms.

Our Verdict

For applicants who need a straightforward, affordable, and secure credit card for daily spending, the Standard Bank Blue Credit Card is a solid pick. It checks the boxes for affordability, digital control, and reliable Mastercard acceptance. Yet, if you’re looking for more exclusive benefits, you may want to consider another option. For entry-level credit, however, this card does the job efficiently and responsibly.