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How to choose the right credit card
Step 1: Assess your spending habits

By tracking your expenses and identifying your priorities, it enables you to choose the right card for your spending habits.

Step 2: Compare card types, perks and fees

See which card types and perks align with your spending habits. For example, if you love to travel, look at cards that have travel benefits included.

Step 3: Weigh fees against perks

You need to weigh your priorities (e.g. earning rewards, paying low interest and managing spending) against what it will cost you to have access to those benefits and features.  
 

Step 4: Check your credit score

Having a good credit score means you have access to a wider range of cards with more premium benefits.

We also offer
PER Insurance Credit Card Protection Plan
Credit card protection plan

Take the stress out of using your credit card, knowing that what you owe is covered in the event of death, disability, dread disease or retrenchment.

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Get a personalised quote in minutes.

Apply online via Internet Banking or our Banking App and choose the loan and repayment term that best suit your needs.

In financial distress product detail
Debt care Centre

Are you in financial distress? You're in financial distress if you find it challenging to meet your debt payments and household expenses with your current income. Our Debt Care Centre can help you. If you’re looking for different ways to pay your debts, here are some convenient options.

Register now to benefit from paying with your Credit, Cheque or Debit card.

1

Using any qualifying Standard Bank personal Credit, Cheque or Debit card.

2

Rewards Points on all your qualifying purchases.

3

Rewards Points in four easy ways. Improve your Tier Level and earn even more Rewards Points.