Standard Bank
Blue Credit Card: R40 monthly fee, up to R250,000 credit limit, personalised rates. Earn UCount Rewards and manage easily via app or online.
The Standard Bank Blue Credit Card is designed for South Africans who value simplicity, cost-effectiveness, and flexibility in their banking. With a low monthly fee of R40, users get access to a credit facility with a maximum limit of R250,000. Interest rates are personalised, and applicants must earn at least R5,000 per month.
Notably, the card gives you up to 55 days of interest-free credit if the balance is paid in full, with a small R190 initiation fee, making this a strong contender for budget-conscious individuals.
How to Apply: Step by Step
- Have your South African ID or passport, latest payslip, proof of residence, and 3 months’ bank statements on hand.
- Log in to your Standard Bank account via internet banking, app, or dial their cellphone banking USSD code.
- Choose Personal Lending under “Open a new account” and follow prompts for credit card application.
- Complete the application and wait for an SMS or a consultant call regarding outcome.
- If you’re not a Standard Bank customer, fill out their Call Me Back form and a consultant will contact you.
Top Benefits
The Blue Credit Card stands out for its accessible monthly fee and generous credit facility. Cardholders can shop anywhere Mastercard is accepted, both locally and internationally.
It’s managed easily online or via mobile app, where you can freeze or unfreeze the card, pay safely online, and track your spending efficiently. Earning UCount Rewards is a great perk every time you make a qualifying purchase.
Drawbacks
However, the Blue Credit Card might not suit people seeking luxury perks, travel insurance, or comprehensive loyalty programmes. The most basic version lacks additional travel benefits.
Applicants only qualify if they meet the minimum monthly income threshold, which could exclude entry-level applicants or students without a steady income.
Verdict
For those seeking an affordable, no-nonsense credit card with a decent limit and robust payment security, the Standard Bank Blue Credit Card delivers on all fronts. It’s easy to manage, widely accepted, and makes everyday spending rewards-driven without breaking the bank.
