South Africa
Earn rewards with every purchase
Get from 3* times more UCount Rewards Points and up to R10* back in Fuel Rewards with a Standard Bank Credit Card. *T&Cs apply.
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Credit cards

Get instant access to money when you qualify for one of our credit cards. You also don’t have to wait for your new card to arrive, you can simply use your credit card details to start shopping online immediately.

Some of the benefits

Secure spending

Switch your card on or off in our banking app and safely shop online with our world-class security features

Interest free*

Get interest free* credit if you pay your outstanding balance in full within 55 days

More convenience

Swipe or tap to pay safely and easily in-store, online or overseas, and link apps for secure payments using your phone

UCount Rewards

Swipe your credit card and earn even more UCount Rewards Points than you would with a debit or cheque card
Win* the ultimate Blue Train experience worth R100 000

Stand a chance to win* the ultimate Blue Train experience for you and your partner when you use your Credit Card.
Simply take advantage of the 55-day interest-free period, plus earn from 3* times more UCount Rewards Points
when using your Standard Bank Credit Card and free Purchase Protection.

Swipe your Credit Card for an entry.*T&Cs apply

Our service fees range from R40 to R209 per month depending on the Credit Card. Interest rates are personalised ranging from a minimum of 11.75% (prime – 0.25%) to a maximum of 22.25% (Repo rate + 14%) 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 R190 (VAT inclusive) will be required.
Learn more about credit and credit cards
Credit cards
7 Reasons to Get a Credit Card
7 Reasons to get a credit card

A credit card is a must-have financial tool. Learn more about the reasons to get a credit card.

Swipe Your Way to Ucount Rewards
Every swipe earns you UCount Rewards Points

Get rewarded with UCount Rewards Points each time you shop, giving you more to spend on what you want. Here’s how to easily earn and redeem your Rewards Points.

4 Smart Ways to Collect UCount Rewards Points
8 steps to earn extra UCount Rewards

As a UCount Rewards member, you get rewarded whenever you swipe your Standard Bank Credit or Debit Card, no matter where or how you use it. That’s a good place to start, but did you know you could earn additional Rewards Points?

Managing your money
Manage Expenses with an Overdraft Loan
Five Steps to improve your credit score

Do you have a healthy credit score? If your credit score is bad, the good news is that you can always improve your credit health. Here are five steps to help.

Managing your money
5 Steps to Credit Fitness
The advantage of credit cards

Thinking about getting a personal credit card? Here’s some of the basic advantages of credit cards.

Managing your money
Managing bond arrears
How to manage credit

Credit empowers you to buy what you want when you need it, but it requires careful management to keep your credit record in good standing. We have 5 tips to help you with your credit management.

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.

Debt card Centre Cross Sell
Debt Relief Solutions

Struggling to meet your loan repayments each month?

Our Debt Care Centre provides personalised assistance to alleviate your financial burdens. By reducing your monthly obligations, we can provide you with much needed relief. Learn about our financial solutions and apply today.

PB Private banking account product detail
Private Banking Account

Grow your wealth with the personal touch and worldwide support of our finance specialists.

Debt consolidation
Debt Care

Struggling to keep up with your repayments? Speak to us about finding the best solution for your unique financial situation.

Tips and guidance
Getting started
Claiming your benefits
Claiming your benefits

Each credit card comes with its own benefits. Here’s how to make sure you get them…

Using your card
Claiming your benefits

Each credit card comes with its own benefits. Here’s how to make sure you get them…

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


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


Rewards Points on all your qualifying purchases.


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