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Standard Bank Blue Credit Card

Geovana Ramos
December 6, 2023

Standard Bank Blue stands out as an attractive choice for those seeking financial independence and peace of mind. When considering a credit card, it is critical to carefully evaluate the benefits and nuances.

With its appealing features, Standard Bank Blue offers an economically attractive annual fee and a generous credit limit. These benefits are designed to simplify your financial management, making everyday purchases more rewarding.

Experience the ease and security of Standard Bank Blue. The card not only provides financial flexibility but also ensures that you are protected with advanced security features and fraud monitoring.

About the Standard Bank:

Standard Bank is one of Africa’s largest financial institutions, with a rich history spanning over 150 years. Founded in 1862, the bank is headquartered in Johannesburg, South Africa, and operates in 20 African countries. Its commitment to innovation and regional economic development is globally recognized.

In addition to its significant presence in Africa, Standard Bank has international operations in markets such as Europe, Asia, and Latin America. This allows the bank to offer a wide range of financial services and investment products to diverse clients. Its expertise in corporate and investment banking is widely respected.

Standard Bank is known for its commitment to security and customer satisfaction. By continuously investing in advanced technologies, the bank ensures its operations are secure and efficient. This focus on innovation and customer service positions Standard Bank as a leader in the African and global banking sectors.

Card Benefits

Touch Payment Technology: Facilitates swift and secure transactions through swiping or tapping at any Mastercard® location.

Generous Credit Limit: Provides financial flexibility for both daily purchases and larger expenses.

Interest-Free Credit Period: Offers up to 55 days of interest-free credit when the full outstanding balance is paid.

Card Protection: Shields your finances against fraud and unauthorized use.

Online Financial Management Tools: Improves user convenience with easy tracking of expenses and budget management.

Global Acceptance: Enables transactions at all Visa-branded merchants and ATMs globally, ensuring convenience while traveling.

24/7 Customer Support: Ensures prompt resolution of any issues or queries for a seamless experience.

3D Secure Verification: Adds an additional layer of protection for safe online shopping.

Standard Bank Blue Fees and Commissions

The Standard Bank Blue card comes with various fees and charges that you should consider. The annual fee is R40 per month and the initiation fee is R190. Interest rates are personalized, ranging from 11.75% to 22.25%. The minimum monthly repayment is 3% of the outstanding balance. ATM withdrawals from Standard Bank cost R9 per R1,000, while withdrawals from other banks cost R10 per R1,000.

Additionally, international transactions have a fee of 2.75%. Cash withdrawals at branches incur a fee of R80 plus R2.50 per R100.

These fees are subject to change without prior notice. For more details, refer to the full pricing guide on the official Standard Bank website.

Positive points

Economical annual fee:
The annual fee is only R40.00, significantly lower than the average in South Africa.
Generous Credit Limit:
The credit limit can go up to R250,000, offering considerable financial flexibility.
Uncomplicated qualification:
Requires a credit score of at least 620 and a monthly income of R5,000.

Negative points

Income Criteria:
A minimum income of R5,000 is required, which might be restrictive.
Lack of Additional Benefits:
No extra loyalty features or benefits beyond the standard offerings.
High Interest Rate:
The annual interest rate is 27.99% if the balance is not paid in full monthly.

Credit card limit

The Standard Bank Blue credit card offers a personalized credit limit, which can go up to R250,000, depending on the applicant’s creditworthiness and financial profile. This generous limit provides financial flexibility.

It allows cardholders to manage larger purchases with ease, offering a practical solution for various financial needs.

How to apply for Standard Bank Blue

Select “Credit Card” from the drop-down menu on the Standard Bank website.
Choose “Standard Bank Blue Credit Card” from the list of available credit cards.
Click the “Start” button and provide the requested information.
Carefully read the terms and conditions of the card and click the “I Agree” button.
Click the “Submit” button.
Standard Bank will assess your application and contact you to inform you whether it has been approved or not.