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Standard Bank
Earn up to 3x UCount Rewards on every swipe, enjoy credit limits up to R250,000, and benefit from up to 55 days interest-free with Standard Bank cards.
Standard Bank offers a variety of credit cards tailored to different financial needs, with monthly fees starting from just R40 and credit limits available up to R250,000. Customers can benefit from personalised interest rates and up to 55 days interest-free, provided the balance is settled in full each month. The application process is streamlined online or via the banking app, requiring only proof of income and a confirmed monthly minimum income, which varies by card.
How to Apply
To begin, determine which credit card suits your income and lifestyle needs. Next, gather your latest payslips or income documentation and your South African ID. Complete the secure online application or use the Standard Bank app, providing your financial details. Submit your documents and wait for the bank’s decision. Once approved, your card will be couriered to you.
Advantages
One key advantage of Standard Bank credit cards is earning up to 3x UCount Rewards on qualifying purchases, making each swipe more valuable. The range of card choices also allows you to select benefits that fit—from entry-level low-fee cards to premium lifestyle and travel perks. Additionally, robust security features allow you to instantly switch your card on or off in the banking app, adding peace of mind for digital shoppers.
Possible Drawbacks
Although highly customisable, Standard Bank’s promo benefits—such as the full rewards or maximum limit—are typically available only to those who meet higher income thresholds. Furthermore, interest rates are personalised and could be higher for customers with less robust credit scores. A once-off initiation fee of R180 is charged when you open your account.
Verdict
Standard Bank credit cards deliver flexible, rewarding spending thanks to versatile limits, UCount Rewards, and advanced security features. Provided you qualify based on income, these cards can be an excellent tool for managing daily expenses and gaining rewards. Applicants seeking low fees and competitive rewards for daily use will find these credit cards compelling options.
