Standard Bank
With Standard Bank Credit Cards, earn up to 3x UCount Points, receive up to R250,000 limit, and enjoy interest-free credit for 55 days (T&Cs apply).
Standard Bank brings a robust line-up of credit cards, each designed to deliver value for everyday spenders and frequent travellers alike. Credit limits go as high as R250,000, and with up to 55 days interest-free, the cards offer solid credit flexibility. Rates are personalised, starting from prime minus 0.25%, with monthly service fees between R40 and R290, and a once-off R180 initiation fee. Minimum monthly repayments are 3% of the outstanding balance.
Étapes de la demande
How to Apply Easily
Applying is straightforward. First, determine if you meet the minimum income for your chosen card—R5,000 (Blue, Gold), R25,000 (Titanium), R58,000 (Platinum), or R92,000+ (World Citizen). Gather your South African ID, proof of income, and proof of address. Then, complete Standard Bank’s online application or use their banking app. Allow time for approval and activation, and you’ll be ready to use your card for benefits and rewards.
Principaux avantages
Standard Bank Credit Cards stand out for their UCount Rewards, awarding up to three times more points per Rand than a typical debit or cheque card. There are also Fuel Rewards, letting users get up to R10 back at select petrol stations. The cards provide robust security features, including app-based card control and virtual card options for safe online shopping.
Main Drawbacks
Monthly and once-off fees can add up, especially for higher-tier cards. Some entry-level applicants might find qualification requirements steep. Additionally, reward earnings hinge on being a registered UCount Rewards member, and not all purchases count towards maximum points.
Verdict final
If you regularly use your card and enjoy structured rewards, Standard Bank Credit Cards can be a worthy choice. The variety in card tiers, reliable security, and appealing fuel and shopping rewards make them a competitive option, provided you meet qualification criteria and manage the fees.
