Find the right credit card for your lifestyle
From everyday moments to bigger plans, the right credit card fits seamlessly into how you live. Explore our different options and apply online today.
What our credit cards give you
Travel discounts
From flight savings to premium global access, our cards are built for how you travel
Interest free*
Pay zero interest if you pay your outstanding balance in full within 55 days
Virtual payments
Use a Virtual Credit Card linked to your physical credit card to easily pay while keeping your details safe
More rewards
Swipe your credit card and earn even more UCount Rewards Points than you would with a debit or cheque card
Our service fees range from R40 to R300 per month depending on the Credit Card. 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.
Maximise your travel rewards
See how you can get exclusive travel discounts with Standard Bank Travel add-on on the Banking App.
Frequently asked questions
What is a credit card and how does it work?
A credit card is a payment card that lets you borrow money from a bank to pay for goods and services.
You’re given a credit limit, which is the maximum amount you can spend. Each month, you receive a statement showing what you’ve spent. You can either pay the full amount or repay it over time with interest.
How is a credit card different from a debit card?
A credit card lets you spend money you borrow, while a debit card uses your own money from your bank account.
With a credit card, you repay the amount later. With a debit card, the money is deducted immediately from your account.
How is interest calculated on a credit card?
Interest is charged on the amount you don’t pay back in full by the due date.
It is usually calculated daily based on your outstanding balance and your card’s interest rate, and added to your account each month.
Can a credit card help me build my credit?
Yes, using a credit card responsibly can help you build your credit record.
Paying on time and staying within your limit shows lenders that you can manage credit well, which may improve your chances of being approved for loans in the future.
How does the 55-day interest free period work?
Your credit card gives you a 55-day interest-free period to pay back the money spent on your card, meaning you won’t be charged interest on your outstanding balance if you pay the closing balance (as reflected on your statement) in full by the payment due date. Your statement cycles over a 30-day period.
You are granted 25 days after your statement cycle to settle the closing balance in full to benefit from the 55-day interest-free period. For example, if you perform transactions from 1 to 31 July, your due date for the full outstanding balance on your credit card will be 25 August. Should your balance not be settled in full, interest will accrue and be charged. Please note that the 55-day interest-free period does not apply to cash transactions.
How is my credit limit determined?
Your credit limit is based on factors like your income, expenses, credit history, and overall affordability.
The bank uses this information to decide how much credit you can manage responsibly.
Can I increase my credit limit?
Yes, you can request a credit limit increase through your Banking App.
Your request will be reviewed based on your financial situation and credit profile.
Can I withdraw cash on my credit card?
Yes, you can withdraw cash from ATMs using your credit card.
Keep in mind that interest may be charged immediately on cash withdrawals, and additional fees may apply.
How does a minimum payment work?
The minimum payment is the smallest amount you must pay each month to keep your account up to date.
It is usually a percentage of your balance (3%). Paying only the minimum means you’ll pay interest on the remaining balance.
How can I use my credit card responsibly?
Use your credit card for what you can afford and try to pay your full balance each month to avoid interest.
Stay within your limit, make payments on time, and track your spending regularly.
You can download our free credit guide to learn more.
Credit Card FAQS
Do you want to learn more about how your credit card works?
Learn more about credit and credit cards
Banking & Digital Solutions
How to redeem your credit card benefits
Your Standard Bank Credit Card makes it safe and convenient to pay for everything from your everyday expenses to big-ticket items in-store, online and in-app. It’s not just a useful tool for your financial goals, it also comes with terrific lifestyle, travel and insurance benefits that let you save so you can do and experience more of the things you enjoy.
Loans & Credit
Understanding the basics of credit cards
There are many good reasons to get a credit card, and choosing the right one for your needs and spending habits can help you achieve your financial goals efficiently and affordably.
Loans & Credit
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.
Loans & Credit
Tips to pay off your credit card debt faster
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 you need to know about credit card protection
Credit card protection is important to protect yourself and your loved ones so that in the event of your death, disability or retrenchment, the outstanding balance on your credit card is covered.
We also offer
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.
Pay with your Virtual Card
Shop and pay without exposing your real card details.
Create a Virtual Card in your Banking App and pay online or in-store. It works like your physical card, but with extra protection and full control.
Use it for:
- Online shopping
- Tap-to-pay in-store using your digital wallet
- Recurring payments like subscriptions
- QR & Scan-to-Pay purchases
Debt Care Centre
Struggling to meet your monthly loan repayments?
Your financial wellbeing is important to us. We’re here to support you, offering personalised debt relief solutions that can help you reduce your monthly loan repayments.
Apply today and let us help you ease your financial pressure.
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.
Register now to benefit from paying with your Credit, Cheque or Debit card.
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