If you’re looking to maximise rewards on everyday spending, the Standard Bank credit card stands out. Cardholders benefit from up to three times more UCount Rewards Points and can receive up to R10 back per fuel fill-up via Fuel Rewards, giving daily expenses an extra boost.

Credit limits reach up to R250 000, providing flexibility for larger purchases or emergencies. Enjoy up to 55 days interest-free if you pay your balance in full each month. All credit cards from Standard Bank also come with world-class security, flexible payment features including tap or swipe, and convenient app and online management. Fees range from R40 to R290 monthly, with rates tailored to your personal risk profile.

How to Apply: Step by Step

• Check if you meet the minimum monthly income requirement for your preferred card (starting from R5,000/month, up to higher amounts for premium cards).
• Gather your financial documents: proof of income, SA ID, and proof of residence.
• Visit the Standard Bank online portal or use their banking app to select your desired credit card.
• Complete the required application form honestly and accurately.
• Submit the application and await confirmation of approval or further instructions.

Notable Pros

The generous reward programme is a major plus. Earning up to three times more UCount Rewards Points with a credit card compared to debit is a compelling incentive for high-frequency spenders. The fuel cashback offer is also practical, especially for commuting South Africans looking to offset rising petrol costs. Additionally, Standard Bank ensures robust digital security, giving peace of mind with every transaction.

Multiple card options cater to different needs and lifestyles, from affordable entry-level Blue Credit Cards to exclusive World Citizen cards. Flexible repayment and interest-free periods add to budget friendliness.

Notable Cons

On the downside, monthly fees can be on the higher side, especially for premium cards. Certain cards also have strict income requirements, which might exclude lower-earning applicants.

Personalised interest rates could range close to NCA maximums if your credit score is low, so always check your offer before signing up. There is also a once-off R180 initiation fee.

Verdict

Overall, Standard Bank’s credit card range is strong for those who want excellent rewards and robust financial tools. If you value rewards points and fuel cashback, this offer shines. Compare fees and make sure you meet the income criteria for the tier you want.