The Standard Bank Blue Credit Card combines a personalised credit facility with UCount Rewards Points on eligible everyday spending and practical digital account controls.
It offers up to 55 days on qualifying purchases, while approval, the interest rate and the final limit depend on your personal assessment.
Before applying, review the published fees, income requirement and repayment rules to decide whether the card fits your monthly budget.
Why consider the Standard Bank Blue Credit Card?
- UCount Rewards Points on eligible everyday spending. Rewards depend on eligible spending, programme rules and your account remaining in good standing.
- Virtual Credit Card, Banking App controls and 3D Secure. Digital tools can make everyday payments and account management easier.
- No premium travel package, keeping the card focused on everyday credit. Travel benefits are subject to booking, spend and policy conditions.
- Simple credit facility without premium extras. Check the current conditions and eligibility before relying on this benefit.
- Credit Card Protection Plan under current policy terms. Check the current conditions and eligibility before relying on this benefit.
- Straight and budget purchases share one approved limit. Check the current conditions and eligibility before relying on this benefit.
Who can apply?
The published income requirement is R5,000 per month. Applicants must also meet the bank’s identity, credit and affordability requirements.
Meeting the income guideline does not guarantee approval. The bank reviews verified income, expenses, existing debt and payment history.
What does the card cost?
The current published fee is R40 per month. A R200 once-off initiation fee and personalised interest rate apply. The minimum monthly repayment is 3% of the outstanding balance.
Transaction, cash withdrawal, international-use and optional insurance charges may apply. Read the latest pricing guide and final quotation.
How the interest-free period works
The advertised period is up to 55 days. The actual number of days depends on the purchase date and the statement cycle.
Interest-free treatment normally requires the relevant balance to be settled by the due date. Cash and other excluded transactions can follow different rules.
Quick product summary
| Card network | Mastercard |
|---|---|
| Published fee | R40 per month |
| Income requirement | R5,000 per month |
| Credit limit | R1,000 to R250,000, subject to assessment |
| Interest-free period | Up to 55 days |
Frequently asked questions
Is approval guaranteed?
No. The bank makes the final decision after credit and affordability checks.
Will every applicant receive the same rate and limit?
No. The rate and limit are personalised and shown in the quotation.
Should I pay only the minimum?
Paying only the minimum can keep debt active for longer and increase the total interest charged.
Is the Standard Bank Blue Credit Card right for you?
The card may suit customers who will use its specific benefits and follow a clear repayment plan. Continue for the complete review and application steps.