The Standard Bank Blue Credit Card is a sought-after option if you want a straightforward, low-cost way to manage your spending. With a monthly fee of just R40 and a minimum income requirement of R5,000 per month, it’s accessible for many South Africans. The credit limit is flexible, allowing borrowing up to R250,000 based on your credit profile. Interest rates are personalised, and balances paid in full in 55 days incur no interest, a benefit for smart spenders aiming to cut costs.

How to Apply

• Sign up via Internet Banking, the Standard Bank App, or Cellphone Banking (*120*2345#).
• Complete your application by following the on-screen instructions after signing in.
• Be ready with your SA ID or passport, proof of income, three months’ bank statements, and proof of residence.
• Wait for application outcome and respond to further steps if required.
• Existing clients can also apply for credit limit increases via the app.

Advantages of the Blue Credit Card

The Blue Credit Card is chip and PIN enabled, offering international access and a high-security 3D Secure feature for safe online shopping. Enjoy tap-to-pay and app integration for convenient mobile payments. The up to 55 days interest-free grace period is a significant bonus. Customers also earn UCount Rewards Points every time they swipe, helping maximise value on daily spending.

Flexible credit limit management is another highlight, allowing cardholders to adjust their limit as their needs change. These features, paired with transparent fees, make it an attractive choice for budget-conscious users.

Limitations to Consider

Despite great benefits, the Blue Credit Card does not include advanced extras or luxury perks, focusing instead on essential service. The personalised interest rate may vary based on your credit score, so higher rates could apply if your profile is less favourable.

There is a R190 initiation fee and a minimum payment of 3% monthly, which may add up if you don’t pay your full balance each month.

Our Verdict

For anyone in South Africa looking for a simple, reliable credit card without luxury frills, the Standard Bank Blue Credit Card delivers. Its affordability, strong security, and rewards make it a fantastic entry-level card. Consider this option if you want transparent fees and essential features above all.