Learn How to Apply for the Standard Bank Blue Credit Card

What do I need to know before applying for a Standard Bank Blue Credit Card?

The Standard Bank Blue is a comprehensive Mastercard card that you can use anywhere with a highly expandable limit and fees of only R40 per month.

Standard Bank is highly regarded in South Africa’s financial sector, operating across more than 38 countries with its headquarters in Johannesburg.

The bank offers a range of products and services tailored for both corporate and individual clients.

Within Standard Bank’s credit card lineup, there are options suited to various spending needs. The Blue Card, for instance, provides a flexible credit limit of up to R250,000, accommodating diverse financial requirements.

The associated costs are quite reasonable, including an initiation fee of R190 and a monthly fee of R40, totaling R480 annually. 

With the Blue Card, you benefit from up to 55 interest-free days if the full balance is paid on time, along with a minimum monthly payment requirement of 3% and the convenience of automatic payments.

While the Blue Card offers simplicity without additional loyalty perks, it supports secure transactions through its Mastercard chip and PIN functionality, enhanced with 3D Secure for safer online shopping.

Moreover, you can integrate the card with apps like SnapScan and Masterpass for comprehensive management directly through your smartphone.

Who can Apply?

Standard Bank sets clear criteria for approving cardholders.

To qualify, applicants must be at least 18 years old and either a South African citizen or a foreigner with valid passport and residency visa documentation.

The primary financial requirement for the card is a minimum monthly income of R5,000, which must be substantiated with supporting documents.

These include a copy of the ID document, a copy of the passport and visa, a recent payslip, bank statements for the last 3 months, and proof of residence issued within the last 3 months.

It’s important to note that all applications undergo credit checks and comply with the Financial Intelligence Center Act (FICA).

How do I Apply for the Standard Bank Blue Credit Card?

Standard Bank provides various avenues for customers to apply for their services, depending on whether they hold an account with the bank or not.

For existing Standard Bank account holders, you can utilize the online internet banking platform.

Upon logging in, navigate to the top menu and select the “borrow” option. Fill out the required information to check your eligibility for the Blue Card.

Using the Standard Bank mobile app requires logging in, tapping the More icon at the bottom, and opening a new account. Navigate to the “Personal Loan” section and then proceed to “Apply” for a credit card to explore available options.

For non-customers of Standard Bank, the application process is slightly different. You’ll need to complete a call-back request form. Provide your full name, South African ID number, phone number, gross monthly income, and breakdown of expenses.

Once you submit the form, as indicated by its name, the bank will contact you to proceed with the application process.

Bank customers can also apply for the card and credit by dialing *120*2345# and selecting option 3. The process is straightforward via phone call as well.

More Details

One of the primary advantages of the Standard Bank Blue card is the opportunity to earn significantly more points through UCount Rewards, the bank’s loyalty program.

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

Moreover, the card offers excellent flexibility in choosing the credit limit. With a wide range of options available, you can initially opt for a lower limit and then increase it gradually as needed.

Want to learn about another option?

If you’re looking for a credit card with more benefits, Woolies offers the Gold Credit Card, which provides 2% cashback at Woolies and 0.75% on all other purchases.

Additionally, it includes up to 8 cards at no extra cost, purchase protection, and health insurance for the family, and you can see how to apply.

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