Blue Credit Card
A simple credit card with no extras, designed to be easy to use when you need extra money.
Use the Blue Credit Card for everyday expenses and pay it back over time in a way that works for you.
R
40.00
Monthly fee
R
5 000
Min monthly income
R
250 000
Credit limit
Personalised
Interest rate
Some of the benefits
No-fuss credit
A simple card with no extras, made for everyday access to affordable credit
Protected when you pay
Create a Virtual Credit Card and have peace of mind that your card details are secure
Flexible repayments
Pay zero interest if you settle your balance in full within 55 days, or make 3% minimum monthly repayments
Get rewarded
Use your Blue Credit Card and earn* UCount Rewards Points on your everyday spending
Pay with your Virtual Credit Card
Get 100%* fraud protection with a virtual card that is linked to your credit card account.
What you get
- Use your Blue Credit Card to pay for purchases instead of your debit card and earn* more UCount Rewards Points
- Get a credit limit from as little as R1 000, offering a simple way to build and manage your credit responsibly
- Our Blue Credit Card is ideal if you want a simple and affordable credit facility, so there are no additional perks attached to this card
- Your card comes with a Credit Card Protection Plan, so you know you are covered in the event of death, disability, dread disease, retrenchment, and loss of income
Card features
- Change your limit if needed
Update your credit limit in the Banking App - Use your card anywhere
Pay in shops, online, or withdraw cash at ATMs - Pay quickly and easily
Tap your card or use your phone to make payments - Check your card anytime
Use the Banking App, Online Banking, or ATMs to stay on track - Control how your card is used
Turn ATM, online, and in-store payments on or off in the app - Shop online safely
Extra 3D Secure verification helps protect your payments - One limit
Whether you choose straight or budget, you can use the same limit
What it costs
- Get up to 55 days interest-free if your account is paid in full
- Minimum 3% monthly repayment with automatic payment option
- R40 monthly fee with all your card benefits included
- R200 once-off initiation fee
How to get it
- Complete our Call Me Back form to get an instant quote
- Alternatively, visit your nearest branch
Remember to have the following ready:
- A copy of your South Africa ID (or your passport if you are not a South African citizen)*
- A recent payslip
- 3 Months’ bank statements
- Proof of residence not older than 3 months
- You must earn R5 000 or more per month
*You must be over 18. Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
-
What you get
-
Card features
-
What it costs
-
How to get it
- Use your Blue Credit Card to pay for purchases instead of your debit card and earn* more UCount Rewards Points
- Get a credit limit from as little as R1 000, offering a simple way to build and manage your credit responsibly
- Our Blue Credit Card is ideal if you want a simple and affordable credit facility, so there are no additional perks attached to this card
- Your card comes with a Credit Card Protection Plan, so you know you are covered in the event of death, disability, dread disease, retrenchment, and loss of income
- Change your limit if needed
Update your credit limit in the Banking App - Use your card anywhere
Pay in shops, online, or withdraw cash at ATMs - Pay quickly and easily
Tap your card or use your phone to make payments - Check your card anytime
Use the Banking App, Online Banking, or ATMs to stay on track - Control how your card is used
Turn ATM, online, and in-store payments on or off in the app - Shop online safely
Extra 3D Secure verification helps protect your payments - One limit
Whether you choose straight or budget, you can use the same limit
- Get up to 55 days interest-free if your account is paid in full
- Minimum 3% monthly repayment with automatic payment option
- R40 monthly fee with all your card benefits included
- R200 once-off initiation fee
- Complete our Call Me Back form to get an instant quote
- Alternatively, visit your nearest branch
Remember to have the following ready:
- A copy of your South Africa ID (or your passport if you are not a South African citizen)*
- A recent payslip
- 3 Months’ bank statements
- Proof of residence not older than 3 months
- You must earn R5 000 or more per month
*You must be over 18. Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
Frequently asked questions
Why should I choose the Blue Credit Card?
The Blue Credit Card is a good choice if you want a straightforward way to access credit when you need it.
It’s easy to use and helps you pay for everyday expenses, while earning* UCount Rewards Points.
It’s easy to use and helps you pay for everyday expenses, while earning* UCount Rewards Points.
How is the Blue Credit Card different to other credit cards?
The Blue Credit Card keeps things simple. Unlike other credit cards that include rewards or extra features, this credit card is designed to give you basic access to credit without added extras, making it easier to manage and use.
What are the monthly and annual fees?
There are no annual fees, only a once-off initiation fee of R200. The monthly fee is R40.
Credit Card FAQS
Do you want to learn more about how your credit card works?
Standard Bank charges a monthly service fee and a monthly card fee, both of which are subject to change according to the NCA and the annual pricing guide respectively. The service fee is regulated by the NCA and is the fee (including VAT) levied by Standard Bank in connection with the routine administration cost of maintaining this Credit Facility, which forms part of the principal debt, while the card fee covers the costs of providing, administrating and maintaining all the value-added services and features associated with the card.
If you own a bundled product, neither the service fee nor the card fee will apply, but should you unbundle your product holding, both the card fee and the service fee will apply.
Interest rates are personalised ranging from a minimum of (prime – 0.25%) to the maximum allowable interest rate as per the NCA regulation. Your monthly repayment for your Credit Card is a minimum of 3% of your outstanding balance. An upfront, once-off initiation fee of R200 (VAT inclusive) will be required.
If you own a bundled product, neither the service fee nor the card fee will apply, but should you unbundle your product holding, both the card fee and the service fee will apply.
Interest rates are personalised ranging from a minimum of (prime – 0.25%) to the maximum allowable interest rate as per the NCA regulation. Your monthly repayment for your Credit Card is a minimum of 3% of your outstanding balance. An upfront, once-off initiation fee of R200 (VAT inclusive) will be required.
Tips and guidance
Get started
Get started
Learn how to manage your credit card.
Use your card
Use your card
Increase your limits and use your card abroad.
Keep your card safe
Keep your card safe
Change your PIN and shop safely online.
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Depending on your lifestyle and how long you’ve had a credit card, paying off your credit card debt can seem challenging and may stand in the way of your other financial goals. Luckily, there are different methods available for you to pay off your credit card debt faster.
Loans & Credit
Budget vs straight: Understanding your credit card
Whenever you swipe your credit card in-store, you’ll most likely be asked whether you want to make the purchase ‘budget or straight’. The bank provides these payment facilities to give you options for how you plan to pay and how you’d prefer to structure the interest.
Life, Car and Home Insurance
What is credit life insurance, and why do I need it?
Life can bring unexpected challenges, sometimes impacting our ability to manage financial obligations. If you have loans, have you considered what would happen to them if you were to lose your job, experience a serious illness, become unable to earn an income or pass away?
We also offer
MyMo Account
Imagine being able to have the world of banking at the tip of your fingers and only paying for the transactions that you make. For affordable banking, open a MyMo bank account.
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.
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.
