The Standard Bank Blue Credit Card is one of the most affordable entry-level options in South Africa. With a low monthly fee of just R40, a minimum income requirement of R5,000 per month, and a credit limit ranging up to R250,000, it’s designed for those seeking a functional but simple credit solution. Interest rates are personalised based on your profile, and you get up to 55 days interest free if outstanding balances are paid in full within the period.

Standard Bank’s digital platforms make the Blue Credit Card easy to use and manage. You can shop online safely with features like 3D Secure and switch the card on or off via the banking app. For payments, contactless Tap to Pay is available for transactions of R500 or less, and you can conveniently link the card to payment apps like SnapScan and Masterpass.

How to Apply for the Blue Credit Card

• Sign in to Internet Banking or the Standard Bank App
• Select Borrow/Personal Lending and complete the required information
• Alternatively, use Cellphone Banking by dialing *120*2345#
• Follow the prompts and submit your application
• You’ll need proof of income, ID/passport, three months’ bank statements, and proof of residence

Key Benefits

One major advantage is the card’s affordability—low monthly and initiation fees mean you can access credit without high costs. You also gain UCount Rewards on your card spend, allowing you to earn points for purchases everywhere Mastercard is accepted.

Convenience is further boosted by easy digital card management, whether you want to increase your credit limit or control card usage. Additionally, security features such as instant card freezing and 3D Secure verification offer peace of mind when shopping online.

Considerations and Drawbacks

The Blue Credit Card is primarily aimed at those wanting a straightforward credit facility. This means you won’t receive premium perks or enhanced loyalty benefits beyond UCount Rewards, unlike some more exclusive cards.

Applicants must meet the income threshold and approval is subject to credit checks and FICA verification, which may limit eligibility for some individuals.

Our Verdict

The Standard Bank Blue Credit Card offers a solid, no-nonsense credit solution for anyone seeking affordability, digital convenience, and essential card security. If you want straightforward credit at low monthly cost with useful extras, it’s worth considering.