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Standard Bank
Get an affordable Blue Credit Card: Monthly fee R40, minimum income R5,000, credit limit up to R250,000, and personalised interest rates. Fast, simple, secure application.
The Standard Bank Blue Credit Card is designed for those who want a no-fuss, straightforward credit card with a good balance between affordability and essential features. With a low monthly fee of R40, it provides access to a generous credit limit of up to R250,000 for South Africans who earn at least R5,000 per month. The personalised interest rate ensures you get a fair deal tailored to your financial profile. For fast approval, make sure your documents and requirements are on hand when you apply.
How to Apply: Step by Step
To get started with the Blue Credit Card, you can apply via Internet Banking, the Standard Bank App, or cellphone banking. Have your South African ID, recent payslip, three months’ bank statements, and proof of residence (not older than three months) ready. If you already bank with Standard Bank, simply log in, navigate to the credit card section, and follow the prompts. Non-clients can request a call-back or use cellphone banking to start the process. Be prepared for a credit check as part of the approval process.
Key Advantages
A major benefit of the Blue Credit Card is its affordability paired with practical features. Cardholders enjoy up to 55 days interest-free if the balance is paid in full. You can also earn UCount Rewards on each purchase, making your daily spend work for you. The card is widely accepted and comes with strong security, including chip and PIN, 3D Secure for online payments, and app-based controls for extra peace of mind.
Notable Drawbacks
Some customers may find the lack of premium perks or advanced loyalty features limiting. The minimum income requirement of R5,000 may also exclude lower-income earners. Additionally, all credit limit increases are subject to existing card history and approval, which may be restrictive for some.
Our Verdict
The Standard Bank Blue Credit Card stands out for its simplicity, fair cost structure, and essential features, making it a solid choice for first-time credit card users or those seeking low fees. If you prioritise affordability with basic rewards and reliable security, this card is worth considering.
