The Standard Bank Blue Credit Card keeps things straightforward for South Africans looking for flexible, affordable credit. With a minimum monthly income requirement of R5 000, it’s accessible to many individuals who want a reliable spending tool without excessive fees. The personalised interest rates are competitive and the card allows for a credit limit up to R250 000, making it suitable for a range of personal finance needs.

This card comes with a R40 monthly fee and an initiation fee of R190, which is one of the lowest entry points in the market. If you pay your outstanding balance in full each month, you can enjoy up to 55 days of interest-free credit. The Blue Credit Card is enabled for chip, PIN, tap-to-pay and supports major app payments, offering great convenience for everyday transactions.

How to Apply for the Blue Credit Card

You can apply for this card through several channels. Online banking makes it easy: sign in and follow the application prompts. Alternatively, use the Standard Bank App: simply tap through to the lending section and start your application. For those preferring mobile, dial *120*2345# and select the application option. Make sure you have a valid ID, proof of income, and proof of residence to speed up approval.

Pros of the Blue Credit Card

One major benefit is the up to 55 days interest-free on purchases if you settle your full balance. The card also enables you to earn UCount Rewards every time you spend, turning your shopping into valuable points. Another advantage is the card’s digital flexibility. You can manage card settings, set limits, or even lock your card via the app.

Cons of the Blue Credit Card

Firstly, the Blue Credit Card has fewer lifestyle or travel perks compared to premium options. Additionally, the initiation and monthly fees, while relatively modest, are fixed and cannot be waived. Lastly, approval is subject to credit checks and financial regulations, so not everyone will qualify instantly.

Our Verdict

If you’re looking for an entry-level credit card with straightforward benefits and robust digital features, the Standard Bank Blue Credit Card is a strong option. It offers good value, clear rewards, and broad acceptance both online and offline. However, those seeking luxury rewards or complimentary perks may consider other alternatives.