The Standard Bank Blue Credit Card stands out as an entry-level option for those seeking affordability and everyday convenience. With a modest R40 monthly fee, it offers a credit limit of up to R250,000. To qualify, applicants must earn at least R5,000 per month, with interest rates personalised based on your credit record. The card comes with useful payment features and access to UCount Rewards on every purchase.

How to Apply Step-by-Step

• Sign in to your Standard Bank Internet Banking or App.
• Select the credit card option under the lending section.
• Follow the prompts and fill in your information as requested.
• Alternatively, use *120*2345# with at least R2 airtime for cellphone banking.
• If you don’t bank with Standard Bank, prepare your SA ID or passport, payslip, three months’ bank statements, and proof of residence for a manual application.

Key Advantages

One major advantage is the simplicity: you get a credible card with a worldwide Mastercard network and secure chip-and-PIN technology. There are no convoluted requirements or unnecessary extras. Also, you’ll benefit from up to 55 days of interest-free credit if you settle the full balance on time, making it a great fit for monthly spenders who repay in full.

Rewards are another plus. With UCount, points accumulate on every swipe, offering additional value. Card management through digital platforms also provides excellent control and flexibility for users.

Potential Disadvantages

On the flip side, the card is basic, meaning there are no additional insurance or loyalty upgrades included by default. It’s designed for simplicity, so premium perks are missing.

The initial limit depends on your credit profile, and there is a R190 initiation fee up front, which some competitors may waive for entry-level cards.

Our Verdict

Overall, the Standard Bank Blue Credit Card is perfect for anyone wanting a no-nonsense, affordable credit facility with the essentials well-covered. If you’re looking for a cost-effective option with basic benefits, this card is a reliable pick, tailored for everyday financial needs and those starting out with credit.