Credit Card
Standard Bank Blue Credit Card: Affordable Access, Exclusive Rewards
The Standard Bank Blue Card offers an affordable way to manage expenses, featuring digital security, UCount Rewards, and interest-free periods of up to 55 days.
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The simple and secure way to pay and earn
The Standard Bank Blue Credit Card offers a straightforward and cost-effective credit solution for individuals seeking financial flexibility without unnecessary complexities.
With a minimal monthly fee and a generous credit limit, this card is designed to meet everyday financial needs efficiently.
- Monthly Fee: R40
- Interest Rates: Personalized rates starting from 11.75%
- Rewards: Earn points on the UCount Rewards program every time you make an eligible purchase
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A closer look at the Standard Bank Blue Credit Card
Designed for those seeking a straightforward and budget-friendly credit option, the Standard Bank Blue Credit Card has a low monthly fee of R40 and requires a minimum income of R5,000.
Cardholders can access a credit limit of up to R250,000, depending on eligibility.
The card features personalized interest rates, ensuring competitive borrowing costs.
Users can enjoy up to 55 days of interest-free credit when the outstanding balance is settled in full within this period.
Additionally, the card is equipped with chip-and-PIN technology and supports contactless payments for transactions up to R500, enhancing both security and convenience.
Cardholders can manage their accounts seamlessly through Standard Bank’s digital platforms, including internet banking and the mobile app.
Who is it for?
This credit card suits individuals who want an uncomplicated and affordable way to manage their spending.
- Individuals Seeking Basic Credit Facilities: Those who prefer a no-frills credit card for everyday transactions without excessive fees or complex rewards programs.
- Budget-Conscious Users: People who want a manageable credit option with an affordable R40 monthly fee and the ability to avoid interest by paying the full balance within 55 days.
- Digital Enthusiasts: Users who value the convenience of online banking, mobile app management, and secure digital payment options such as SnapScan and Masterpass.
- Frequent Shoppers: Those who want to earn UCount Rewards Points on purchases and use them towards various rewards, making their spending more beneficial.
What makes it special?
What sets the Standard Bank Blue Credit Card apart:
- Affordable Access to Credit: A low monthly fee of R40 makes it accessible to a wide range of users.
- Interest-Free Period: Get up to 55 days without interest if you settle your full balance on time, helping you manage your finances more efficiently.
- UCount Rewards Program: Earn rewards points on qualifying purchases, redeemable across various partners.
- Advanced Security Features: Chip-and-PIN technology, 3D Secure for online shopping, and the ability to control card functions via the mobile app enhance security.
Things to consider before applying
While the Standard Bank Blue Credit Card offers many benefits, there are some factors to keep in mind before applying:
- Limited Rewards & Benefits: Unlike premium cards, it lacks travel perks or extensive cashback rewards.
- Basic Features: Designed for simplicity, it does not include luxury services or added insurance.
- Minimum Income Requirement: Applicants must earn at least R5,000 per month, which may not suit everyone.
- Personalized Interest Rates: Depending on creditworthiness, rates may be higher than expected.
Is the Standard Bank reliable?
Standard Bank is a reputable financial institution in South Africa, ensuring that the Blue Credit Card adheres to stringent security and regulatory standards.
The card incorporates chip-and-PIN technology, reducing the risk of fraud. For online transactions, 3D Secure verification adds an extra layer of protection.
Cardholders can manage their card settings through the Standard Bank app, enabling them to activate or deactivate functionalities as needed.
The bank is committed to transparency, providing clear terms and conditions to its customers.
Everyday ways to use the Standard Bank Blue Credit Card
This card offers flexibility, making it a useful tool for various daily expenses. It offers both convenience and security, making it an excellent choice for managing personal finances.
- Everyday Purchases: Conveniently pay for groceries, fuel, dining, and other regular expenses at millions of merchants worldwide.
- Online Shopping: Securely shop on e-commerce platforms with added protection from 3D Secure verification, reducing fraud risks.
- Travel Expenses: Use the card internationally for hotel bookings, flights, and car rentals without worrying about carrying large amounts of cash.
- Bill Payments: Set up automatic payments for subscriptions, utilities, and mobile bills to avoid missing due dates and potential late fees.
- Emergency Expenses: Rely on the credit limit for unexpected costs, such as medical expenses or urgent home repairs, offering financial peace of mind.
Your guide to successfully applying for the card
Getting a Standard Bank Credit Card is designed to be effortless, ensuring that eligible customers can get started without unnecessary delays.
- Online Application:
- Via Internet Banking: Log into your Standard Bank Internet Banking profile, navigate to the ‘Borrow’ section, and complete the application form.
- Via the Standard Bank App: Access the app, go to ‘More,’ then select ‘Open a new account’ under ‘Personal Lending,’ and follow the instructions to complete your credit card application.
- Cellphone Banking:
- Apply easily through Standard Bank’s cellphone banking service by following the on-screen prompts for a quick and guided process.
Requirements
To qualify for the Standard Bank Blue Credit Card, applicants must be at least 18 years old and earn a minimum monthly income of R5,000.
Applicants must provide a valid South African ID or, for foreign nationals, a passport, along with proof of residence issued within the last three months.
Additionally, a recent payslip and three months’ bank statements must be provided. Applicants undergo a credit check to determine eligibility and applicable interest rates.
Approval is subject to Standard Bank’s lending criteria and compliance with Financial Intelligence Centre Act (FICA) regulations.
Explore other alternatives: Absa Gold Credit Card
While the Standard Bank Blue Credit Card is a great choice for affordability and rewards, you might be looking for additional perks.
If you want a card with more travel benefits and a higher credit limit, the Absa Gold Credit Card could be a better fit.
With up to 57 days interest-free, travel insurance, and exclusive lounge access, it offers extra value for frequent travelers and premium spenders.
Want to see how it compares? Read our full breakdown of the Absa Gold Credit Card next!
Absa Gold Credit Card
Get cash back, travel insurance & lounge access with the Absa Gold Credit Card. Secure payments & exclusive rewards await!
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