See How to Apply for the Standard Bank Blue Credit Card

Key Information to Consider Before Applying for the Standard Bank Blue Credit Card

The Standard Bank Blue card is one of the first credit card options provided by the South African bank. It bears the Mastercard logo and provides a credit limit of up to R250,000 for global use.

Standard Bank is widely recognized as a leading financial institution in South Africa. With its headquarters in Johannesburg, the bank has a presence in more than 38 countries, providing a range of products and services tailored for businesses and individuals.

The credit card options from Standard Bank cater to different budget ranges, with the Blue Card allowing for a personalized credit limit of up to R250,000 to suit individual requirements.

The pricing is quite affordable, including a start-up cost of R190 and a monthly fee of R40, totaling R480 per year.

When you use the card, you can enjoy a grace period of up to 55 days with no interest charges as long as the full balance is settled, while also having the flexibility of making a minimum monthly payment of 3% and the convenience of setting up automatic payments.

The Blue card line offers a more straightforward experience, without any extra loyalty perks or benefits when you select this option.

Payments can be made using a Mastercard with chip and PIN technology, along with 3D Secure authentication for enhanced online transaction security.

The card can also be connected to the SnapScan and Masterpass applications for convenient management through the app.

Eligibility Criteria

Standard Bank has clear criteria for choosing cardholders.

To begin with, you need to be a minimum of 18 years old. The cardholder must be a South African native or a foreigner with proper passport and visa papers for residency.

The primary criteria for the card is a minimum monthly income of R5,000, which needs to be supported by documentation. When it comes to documentation, you will need to have the following prepared:

List:

– Identity document copy

– Passport and visa duplicates

– Latest salary statement

Bank statements covering the past three months

– Proof of address must be issued within the past three months

Please take into consideration that all applications are contingent on credit verification and compliance with the Financial Intelligence Center Act.

Discover the Process to Request the Standard Bank Blue Credit Card

Standard Bank provides various service channels for receiving customer applications. The process varies depending on whether the customer has an existing account with the bank or not.

If you have an account with Standard Bank, you have the option to access their internet banking service online.

Once you have logged in, you are able to choose the top menu and select the “borrow” option. Enter your details to check if you meet the requirements for the Blue option.

To create a new account and apply for a credit card using the Standard Bank app, follow these steps: log in to the platform, tap on the More icon located at the bottom, and navigate to open a new account. From the menu, choose ‘Personal Loan’ and proceed to select ‘Apply’ to explore the different credit card options available.

For individuals who do not have accounts with Standard Bank, the procedure varies slightly. They will be required to complete the call-me-back form.

Please include your complete name, South African identification number, contact number, total monthly earnings, and itemized list of expenses.

Once the details are submitted, the bank will reach out to you to advance with the service, as implied by the form’s title.

Bank clients can also request the card and credit by dialing *120*2345# and choosing option 3. The process is simple when done over the phone.

Additional Information

One notable advantage of the Standard Bank Blue is the opportunity to accumulate up to three times more points with UCount Rewards, the bank’s loyalty program.

The UCount Rewards subscription fee is R25 monthly and provides additional cashback on various purchases, including up to 20% on beauty products and at fuel stations.

The credit card provides excellent flexibility in choosing the credit limit. You have the option to begin with a lower limit and raise it gradually.

Interested in exploring a different choice?

The Woolworths Gold credit card is a practical choice for making purchases beyond the retail chain, offering 0.75% cashback on all market transactions.

Hence, it also offers the advantages of having a visa for day-to-day administration, and you can learn how to submit an application.

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