If you are seeking a basic but reliable credit card to manage your everyday spending, the Standard Bank Blue Credit Card might fit perfectly. With a monthly fee of just R40 and a minimum qualifying income of R5,000 per month, it’s an accessible entry point for many South Africans. The credit limit can be as much as R250,000 depending on your creditworthiness and profile, while interest rates are personalised based on your financial standing and credit history.

Applicants enjoy up to 55 days interest free if their balance is paid in full and benefit from secure MasterCard features. A once-off initiation fee of R190 applies. You also get access to UCount Rewards, which adds value for regular spenders.

How to apply for the Standard Bank Blue Credit Card

1. Sign in to your Standard Bank App or access your Internet Banking profile.
2. Navigate to the ‘Borrow’ or ‘Personal Lending’ section and select ‘Credit Card’.
3. Follow on-screen instructions, provide required documentation, and submit.
4. You can also use Cellphone Banking by dialling *120*2345# (ensure you have at least R2 airtime).
5. Alternatively, fill in the Call Me Back form if you don’t bank with Standard Bank yet.

Pros of the Standard Bank Blue Credit Card

One of the main advantages is affordability. The monthly fee at R40 is among the lowest, making it easier to manage finances without extra costs. Qualifying is flexible, and the application is user-friendly.

Added benefits like UCount Rewards and up to 55 days interest-free if you pay in full are significant advantages for everyday card users.

Cons of the Standard Bank Blue Credit Card

The card does not include premium features or deluxe benefits, focusing instead on the basics. If you want travel insurance, lounge access or exclusive rewards, you may want to consider a higher-tier card.

Personalised interest rates can be high depending on your credit rating, so it’s important to know your status before applying or spending.

Verdict

The Standard Bank Blue Credit Card is a strong, no-frills choice for those seeking affordability and reliability. It’s simple to use, accessible to a wide range of applicants, and perfect for building or managing credit. Those who want more perks may look at other cards, but as a solid starter or daily-use credit card, this is a wise pick.