Standard Bank calls the Blue card a simple card with no extras, and that is its strength. For R40 a month, with no annual fee, you get a Mastercard, a limit from R1 000 up to R250 000 and the same interest-free window as the bank’s pricier cards.
Why we recommend the Standard Bank Blue Credit Card
The bank asks for a monthly income of R5 000. A small limit used well and paid in full is one of the cleanest ways to build a credit record, and you can request an increase in the Banking App once your conduct supports it.
Purchases earn UCount Rewards points when you pay with the card instead of your debit card, a virtual card keeps your real number away from online merchants, and a Credit Card Protection Plan covers the balance on death, disability, retrenchment or loss of income.
You can also split the limit between a straight and a budget facility to spread a larger purchase.
Author’s opinion
We see the Blue card as the right choice for someone who wants a big-bank card without big-bank fees: a first card, an emergency float or a way to earn points on spending you already do.
The rate is personalised, from prime minus 0.25% up to the National Credit Act maximum, so revolving can be costly on a thin credit file. There is a R200 initiation fee, no lounge access, and approval depends on a credit check, FICA verification and proof of income.
I want to learn more about the Standard Bank Blue Credit Card!
Requirements, documents, fees and how to apply on the official Standard Bank website are explained on the next page. Tap the button below.
