The Standard Bank Blue Credit Card stands out with its affordable R40 monthly fee, and flexible, personalised interest rates based on your credit profile. With a minimum qualifying income of R5,000 per month, you can access credit up to R250,000, making it a practical choice for everyday spenders. The card features up to 55 days interest-free on full balance payment, and a R190 once-off initiation fee.

How to Apply

• Log into your Standard Bank online or app banking.
• Navigate to the credit card section and select “Apply”.
• Follow the prompts to upload your ID, payslip, and proof of residence.
• If needed, you can also apply via mobile banking by dialling the dedicated USSD code.

Key Advantages

The Blue Credit Card allows you to tap or swipe at any Mastercard-enabled merchant, and online shopping is safeguarded with strong security features. Cardholders also benefit from the UCount Rewards programme, where regular use translates into points that can be redeemed on various purchases. Additionally, you can manage your credit card through the bank’s mobile app for ultimate flexibility and control.

Potential Drawbacks

There are no additional luxury perks or travel insurances bundled into this card, which might not appeal to frequent travellers or those after exclusive benefits. Approval requires a minimum monthly income of R5,000, and final credit granted is subject to affordability and credit checks, so not everyone will qualify for the highest limit.

Verdict

For those seeking practicality, security, and rewards with low fees, the Standard Bank Blue Credit Card is a leading contender. It’s well-suited to South Africans wanting control over their credit with no unnecessary extras. If these features align with your spending habits, this option is certainly worth considering.