Managing your card-Linking your account

Your account credit limit
Linking your accounts
Interest and fees
Returned payments
Paying your account

Your account credit limit

Your account credit limit may be used for either a revolving credit or budget facility. You choose how to use your account credit limit. If your account exceeds the account credit limit you will be charged an overlimit fee.

Revolving/straight facility

The revolving facility is the straight or normal facility available on your card. This facility is available immediately when you receive your card.

For example, if the limit is R1 000 and you use your card to buy goods worth R700, you will still have R300 credit. If you then pay R500 into your card account, your available credit becomes R800 (R300 plus R500).

  • You can check your card balance at any time at any ATM or through Standard Bank Internet Banking.
  • You may withdraw cash from your revolving facility, however, interest accumulates on a daily basis from the day of the withdrawal until the amount is settled in full.

Budget facility

  • You may use the budget facility for items costing R200 or more.
  • You can repay the credit used for the items purchased over 6 to 60 months (subject to the amount of the purchase). Simply tell the cashier which repayment period suits you.
  • You may buy as many items as you wish with your budget facility, if you have credit available on your account credit limit. The following items cannot be purchased on your budget facility:
    • Traveller's cheques.
    • Progressive payments (for example, home extensions unless the payment is once-off).
    • Electronic account payments (EAP).

Increasing your account credit limit

You may apply for an increase after six months.

  • Any increase will be based on your card account and other Standard Bank accounts history.
  • To apply for an increase, call us on 0860 201 000.

Temporary limit increase

If you need a higher credit limit for a specific period, you may apply for a temporary increase.

  • The limit will revert to its original level at the end of the specified period.

To apply for a temporary increase, call us on 0860 201 000.

Clearance period

Cash is 1 day and cheque payments that exceed your credit limit are subject up to a 10-day clearance period for security reasons.

This clearance period does not apply to funds that are transferred electronically.

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Linking your accounts

If you link a Standard Bank account to your credit card account, you can transfer money between the accounts.

  • You can link as many as eight Standard Bank accounts to your credit card.
  • You can also link up to 99 other accounts for electronic account payments (EAP).
  • If you lose your card and it is replaced, you must visit a branch to get a new PIN. Your new card will have no accounts linked to it. Ask any Standard Bank branch to link your accounts to your new card.

Additional cards

You may apply for additional credit cards to be linked to your card account at no extra cost. Your card will be the principal card.

  • Your account will be open to all cardholders.
  • Your account credit limit will be shared between you and the additional cardholders.

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Statements are produced monthly.

  • The statement date is important for the calculation of interest.
  • The statement reflects the exact situation of the account on that particular date.
  • Check your statements to make sure that all transactions were made by you or with your authority and that all payments to us are shown.
  • If you need an interim statement during the month, you can obtain one from any Standard Bank ATM, branch or through the Internet (if you have registered for Standard Bank Internet Banking).
  • If you do not receive a statement, please call us on 0860 201 000.
  • If your postal address has changed, please inform us immediately.

Click here for how to read your statement.

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If your statement shows a transaction that you neither made nor authorised, you must contact us within 60 days by letter or fax or call 0860 201 000.

  • If you have a query on your account you may complete a dispute form which is available at your branch, or fax a letter of dispute to 011 838 7203.
  • Your dispute will be sent to the relevant merchant through its banker.
  • Merchants keep slips for a limited time only, which is why you need to act within 60 days of the transaction date.
  • If the merchant is unable to provide proof of the transaction or you can show that the slip is not genuine, the transaction will be reversed.
  • If you made the transaction, you will be charged a fee for the dispute. This is why it is important to keep all your slips.

If there are any fraudulent transactions on your card after it is reported lost, you will have to complete an affidavit before a commissioner of oaths. The affidavit must be sent to our fraud department in Johannesburg before your account is credited with the disputed amount.

Our postal address is PO Box 61704 Marshalltown 2107.

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Interest and fees

Interest on cash advances and budget purchases are calculated on a daily basis and added to your account monthly. On other purchases, you may have up to 55 days' interest-free credit depending on the date of the purchase. If you do not pay the total closing balance on or before the due date, interest will be charged from the date of each transaction.

Annual service fee

This fee is charged to your account on each card anniversary. The fee covers the costs of the card, monthly statements and administration.

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Returned payments

Sometimes a payment into your account may be returned to you marked "refer to drawer" or RD.

  • Unpaid items can include cheques and automatic payment orders (APOs). The reason is inadequate funds in the account of the person who drew the cheque or authorised the APO.
  • You are liable for unpaid cheques and APOs on your account.
  • If your minimum monthly payment is not made on time, you will be charged a late payment fee.
  • It is important to provide for your monthly payments, and if you foresee or experience difficulties, you should call our collections department immediately on 0861 112 807.

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Paying your account


We keep a record of every cardholder's payments.

  • A good payment history is one in which at least the minimum payment is made on time every month.
  • A bad payment history includes missed and late payments.

Due date

The due date is the date by which your monthly payment should have reached us. The due date is usually about five days before the statement closing date to allow us to process the payment.

If your minimum monthly payment is not made on time, you will be charged a late payment fee. For your convenience, we offer an Automatic Payment Order facility (APO) which will automatically debit your savings or current account with the monthly payment. To find our more, please call us on 011 241 1000 and a consultant will gladly assist you.

Other payment information:
Minimum payments
Payment allocation
Fixed arrangements
Early settlements

Minimum payments

When you receive your credit card statement, you will see that it shows the minimum payment and the date on which it is due. The minimum payment is 3% of the outstanding balance or R25, whichever is greater, plus any budget instalments (with the exception of the MasterCard Unembossed and Accelerate credit card, where the minimum payment is 10% of the outstanding balance or R100, whichever is the greater, plus any budget instalments).
You may pay your account

  • At any AutoPlus or Standard Bank ATM;
  • By automatic payment order (APO) or debit order;
  • Using Standard Bank Internet Banking;
  • At any Standard Bank branch;
  • By mailing us a cheque.

If you choose the first three methods of payment, your account will be credited on the same day.

Electronic payments

For your security, there is a monthly limit of R10 000 on electronic payments. If you need to transfer more than R10 000, please contact your branch.

Payment Allocation

Your payment is allocated as follows:

  • First, the budget instalment is paid and any over limit amount.
  • The remaining balance of the payment is applied to your revolving facility.

For example, if your revolving credit total is R1 000 and you have used the entire balance and your budget instalment is R200 a month, the minimum payment is calculated as follows:

  • 3% of the R1 000 balance which is R30
  • The budget instalment of R200 which adds up to R230.
  • All deposits you make into your card account greater than the full outstanding closing balance on the revolving facility will automatically be credited to the outstanding balance on your budget facility.

If you exceed your account credit limit, your minimum payment will be calculated as follows:

  • If your account credit limit is R1 000, you spend R1 500 and a R200 budget instalment is due, your minimum payment is:
    • The amount over limit, which is R500
    • 3% of the R1 000 balance, which is R30 (with the exception of the MasterCard Unembossed and Accelerate credit card, where the minimum payment is 10% of the outstanding balance or R100, whichever is the greater, plus any budget instalments)
    • The budget instalment of R200 which comes to a total of R730

This example does not imply that you may exceed your account credit limit. It indicates that your minimum payment could be higher than you expect if you exceed your account credit limit.


Once your account falls behind it is very difficult to bring it back into order. To avoid this, pay your accounts every month.

If your minimum monthly payment is not made on time, you will be charged a late payment fee.

Fixed arrangements

If you are unable to make minimal payments on your account you may enter into a fixed arrangement with us. A fixed arrangement is an agreement to pay an amount that you can afford every month.

  • We need details of your income and expenditure.
  • The card account will be closed until the balance has been paid in full. Your budget and revolving facility will be consolidated to allow you to pay the balance.
  • Once the account has been paid in full you may apply for the card to be reinstated. Whether the card is approved depends on how well you kept to the terms of your fixed arrangement.
  • To make a fixed arrangement, please contact card division collections on 0861 112 807.

Early settlement of budget accounts

If you want to settle your budget facility account/s early or wish to pay a lump sum into the account/s, please inform us before making the payment. If we are not informed, the payment will be credited to your revolving/straight facility.

  • All deposits you make into your card account greater than the full outstanding closing balance on the revolving facility will automatically be credited to the outstanding balance on your budget facility.

If your card is damaged or lost

If your card is damaged or lost, please call our toll free number 0800 020 600 immediately. Always keep a record of your card number. Have your card number or identity number handy, and we will replace your card as quickly as possible. Please note the reference number provided by the call centre.

Please note

A lost card is replaced with one bearing a new card number. If you have debit orders against your card account, you will need to give your new card number to the organisations concerned. If you access your internet banking profile using your credit card, please ensure that when you collect your card, the branch assists you in linking your internet banking profile to the new card. More information on how to do this can be found under "Linking accounts" and "Lost card protection".

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Travel insurance

Use your Standard Bank credit card to pay for all your travel arrangements and you will automatically qualify for travel insurance.

  • Additional cover is available at a premium based on your required cover.
  • Chartis underwrites the cover.

For more information, call 0861 114 494.

Terms and conditions apply

Lost Card protection

To prevent fraud, please keep your card in your possession at all times. Report lost or stolen cards to us immediately. If you have two cards and one of them is reported lost, do not use the additional card. If your card is linked to a garage card, do not use your garage card until a new number has been allocated to you,

Lost card protection covers you for any purchases made on your lost or stolen card and is free. Please ensure that you report the card lost or stolen as soon as possible. Our Lost Card department will issue you with a reference number, which must be quoted to our Fraud department in the event of fraudulent transactions appearing on your card account.

You may not be protected if you fail to report the loss of your card as soon as possible, or if you compromised your card details to a third party, depending on the circumstances.

You will be liable for any fraudulent transactions that have not been reported within 60 days from the date of transaction, so ensure that you report any fraudulent activity on your card as soon as possible..

If you have any questions or need more information call 0860 201 000


Credit Card protection plan

For a small monthly premium, the card protection plan will settle the outstanding balance on your card account in the event of your death or disability.

  • The plan also provides retrenchment cover of 10% of your outstanding balance for three months.
  • The death benefit will be doubled in the event of the accidental death of the principal cardholder.
  • The cover is underwritten by Liberty Active. For more information and to arrange cover, call Liberty Active on 0860 123 911.

Terms and conditions apply

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