If you’re looking to get more value from your everyday banking, the Standard Bank Credit Card suite gives South Africans a versatile and highly rewarding experience. Customers can earn up to 3 times more UCount Rewards Points compared to regular cards, plus receive up to R10 back in Fuel Rewards on qualifying purchases. There are various cards available to suit different income needs and lifestyles, with monthly service fees ranging from R40 to R290. Credit limits can go up to R250,000 and interest rates are personalised according to your credit profile, while you enjoy up to 55 days interest-free if you settle your balance in full monthly.

How to Apply for a Standard Bank Credit Card

• Check if you meet the minimum monthly income requirements for your preferred card.
• Gather your identification and proof of income documents.
• Apply online or via the Standard Bank Banking App.
• If pre-approved, upload your documents and await the outcome.
• Once approved, your card is delivered or available for collection.

Key Benefits of Standard Bank Credit Cards

Standard Bank cards offer outstanding rewards for daily purchases. UCount Rewards Points accumulate much faster compared to using a debit card, and you can also get up to R10 back per litre spent on fuel at partnered stations.

Security is another strength—you have full control to turn your card on or off via the app, plus cutting-edge fraud protection ensures your peace of mind while shopping online or overseas.

Another bonus: enjoy up to 55 days of interest-free credit if you pay your outstanding balance in full within the period, helping you better manage your monthly cash flow.

Potential Drawbacks

The main consideration is the monthly service fee, particularly for higher-tier cards, which might be prohibitive for those on lower incomes. Fees range from R40 to R290 per month.

Interest rates are personalised and can be high for applicants with weaker credit records, so it’s important to maintain your credit profile for the best deal.

Our Verdict

Standard Bank Credit Cards deliver excellent value, especially for those seeking robust rewards and flexible benefits. For frequent spenders and fuel users, the UCount and Fuel Rewards system is a clear advantage. The wide range of options ensures there’s a card suitable for most needs. Just weigh the monthly fee against the potential returns and your spending habits before applying.