Standard Bank Blue Credit Card Review

Enjoy low fees, flexible credit, and digital convenience — make the Blue Card your smart starter choice!

If you want a credit card that gets straight to the point with affordability, simplicity, and essential features, the Standard Bank Blue Credit Card is made for you. It’s designed to provide reliable access to credit without the premium price tag, perfect for South Africans building their financial foundation.

This card manages to combine straightforward terms with modern flexibility. Whether you’re starting out in the working world or just aiming for smart financial control, the Blue Credit Card keeps things practical and predictable — no frills, just fair value.

Blue Card: Simplicity Meets Smart Credit

Benefits of the Blue Credit Card

• Low monthly fee
  The Standard Bank Blue Credit Card comes with a modest monthly charge of R40. This manageable fee means you can maintain a credit facility without overpaying for privileges you won’t use.
• Interest-free period up to 55 days
  Similar to many mainstream cards, you can enjoy up to 55 interest-free days on purchases as long as you settle your full balance by the due date. This offers useful breathing room for managing cash flow.
• Personalised interest rate
  The interest rate for this card is tailored to your credit profile. A fair and flexible structure ensures that what you pay reflects your risk level and repayment reliability.
• Flexible credit limits
  You can be granted credit up to R250,000, depending on your income, credit history, and circumstances. This flexibility helps the card support your everyday needs and bigger expenses when required.
• Secure payment features
  Equipped with chip-and-PIN security, the card offers world-class protection. Online shopping is safeguarded via 3D Secure verification, and you can easily switch card usage settings on or off in the banking app.
• Tap-to-pay convenience
  In-store payments up to R500 can be made using contactless tap functionality. It’s quick, convenient, and meets modern payment habits for everyday shopping.
• Digital management tools
  You can manage your card via the Standard Bank Banking App, internet banking, or ATMs. This includes switching transactions on or off, adjusting spending behaviour, and controlling your card’s usage with ease.
• UCount Rewards
  Every swipe earns UCount Rewards Points. These can be accumulated and redeemed for things you value, from fuel vouchers to lifestyle perks — helping you get extra value from spending you’d already do.
• Card protection option
  You have the choice to add a Credit Card Protection Plan. This plan offers peace of mind by covering your outstanding balance in circumstances such as disability, retrenchment, or death.

Qualification Requirements

• Minimum age: 18 or older
  You must be an adult in South Africa to apply, ensuring that applicants are legally responsible for credit agreements.
• Minimum monthly income: R5,000
  A steady income of at least R5,000 per month is required. This makes the card accessible to individuals starting out or managing moderate incomes.
• Valid South African ID
  You’ll need a Smart ID or Green ID Book to confirm your identity, a standard requirement for financial products.
• Proof of residence
  A recent utility bill or similar document showing your current address is needed for compliance with banking regulations.
• Proof of income
  Payslips or bank statements for a few recent months will be required to confirm your earnings and support the affordability assessment.
• Creditworthiness and compliance
  Approval depends on credit checks and meeting the Financial Intelligence Centre Act (FICA) requirements. Your ability to handle credit responsibly will influence the outcome.

How to Apply for The Blue Credit Card

1. Apply via the Banking App
   If you already bank with Standard Bank, you can apply from within the app — the process is smooth and largely digital.
2. Apply through internet banking
   Existing customers can also apply via internet banking. There you can access the borrowing section and complete the Blue Card application.
3. Apply in branch
   Prefer in-person? Visit a Standard Bank branch, where staff can guide you step by step through the application.
4. Apply by cellphone banking
   Dial the USSD code 1202345# from your mobile, choose the relevant menu option, and follow the prompts. A simple and convenient option for those who use cell banking.
5. Have documents ready
   Prepare your identification, proof of income, and residence documents in advance to speed up the process.
6. Wait for approval and assess limit
   After submission, Standard Bank evaluates your application, determines your credit limit, and communicates the outcome to you via app, SMS, or email.

Frequently Asked Questions

Can I pay less than the full balance each month?
Yes — you’re required to pay a minimum of 3% of your outstanding balance monthly. Paying more helps reduce interest and improve financial flexibility.

Is there an initiation fee?
Yes — a one-time initiation fee of approximately R180 applies when opening the account. This setup cost is separate from the monthly fee.

What if I lose my card?
You should immediately disable it via the Banking App and report the loss to Standard Bank. You can then apply for a replacement, and optionally add Protection Plan coverage if chosen previously.

Does the card work internationally?
Yes — it works anywhere Mastercard is accepted. Just be aware that foreign transaction fees will apply as per Standard Bank’s pricing schedule.