Standard Bank Credit Cards
Earn up to 3x more UCount Rewards, R10 back on fuel, up to 55 days interest-free, and credit limits up to R250,000 with Standard Bank Credit Cards. T&Cs apply.
Standard Bank’s credit card range offers a host of attractive rewards which appeal to South African consumers seeking financial convenience and value. Cardholders benefit from up to three times more UCount Rewards Points on purchases, as well as up to R10 back in Fuel Rewards. Credit card limits go as high as R250,000, and users enjoy up to 55 days of interest-free payments, provided their balance is settled in full each month. Interest rates are personalised, ranging from prime minus 0.25%, with a minimum monthly repayment set at 3% of the outstanding balance. An upfront initiation fee of R180 is required, and monthly service fees start from R40.
How to Apply
- Check your monthly income meets the card’s requirements (from R5,000 for Blue, up to R92,000 for World Citizen).
- Ensure you have your South African ID and proof of income ready.
- Visit Standard Bank’s website or the mobile app.
- Complete the online application with your personal and financial details.
- Await approval and receive your card if successful.
Key Benefits
One standout feature is enhanced rewards on everyday spending. With up to triple UCount Rewards Points, users are incentivised to make the credit card their preferred payment option at retailers and fuel stations.
The credit cards come with layered security, including app-based on/off toggling and robust online protection, making it safer for both in-store and online transactions. The global reach and flexible tap-to-pay capabilities further add to overall convenience.
Potential Drawbacks
The monthly service fees can be on the higher side, especially for premium cards. For example, the World Citizen Card charges R290 per month, which may not suit those on tighter budgets.
Applicants also need to be mindful of the upfront initiation fee and personalised interest rates, which can result in higher borrowing costs if balances are not managed responsibly.
Final Verdict
Standard Bank Credit Cards present a compelling option for South Africans who frequently spend on daily essentials and value loyalty rewards. The tiered benefits, security features, and versatile application process make them suitable for a range of consumers. However, potential applicants should compare options and factor in monthly fees before committing, as these may offset some of the rewards for infrequent users.
