See How to Apply for the Standard Bank Blue Credit Card

What do You Need to Know Before Applying for the Standard Bank Blue Credit Card?

The Standard Bank Blue is one of the initial credit card lines from the South African bank, featuring the Mastercard brand and offering up to R250,000 in credit limit for use worldwide. 

Standard Bank is one of the most respected financial institutions in South Africa. Additionally, it operates in over 38 countries, with headquarters in Johannesburg, offering products and services for both businesses and individuals.

Standard Bank’s credit card line offers solutions for various spending levels, and the Blue Card provides a customizable credit limit of up to R250,000, adapting well to different needs. 

The costs are also very reasonable, with an initiation fee of R190 and a monthly fee of R40, equivalent to R480 annually.

With the card, you get up to 55 days of interest-free credit if the balance is paid in full, with a minimum monthly payment of 3% and the option of automatic payment.

The Blue is a simpler card line, without additional loyalty resources or benefits when you choose this option.

You can make payments with the Mastercard enabled for chip and PIN, with 3D Secure verification for safer online purchases.

It is also possible to link the card to the SnapScan and Masterpass apps and manage everything through the app.

Who can Apply?

Standard Bank has well-defined conditions for selecting cardholders.

Firstly, you must be at least 18 years old. The cardholder must be born in South Africa or a foreigner with a passport and visa documentation with residency.

The main requirement for the card is a minimum monthly income of R5,000, which must be proven with documents. Speaking of which, you need to prepare the following documents:

• Copy of the identity document
• Copy of passport and visa
• Recent payslip
• Bank statements from the last 3 months
• Proof of residence dated within the last 3 months

It is worth noting that all applications are subject to credit verification and the Financial Intelligence Center Act.

Learn How to Apply for the Standard Bank Blue Credit Card

Standard Bank offers different service channels to receive customer applications. The process differs based on whether you have an account with the bank or not.

For Standard Bank account holders, you can use the online internet banking service.

After logging in, you can select the top menu and the “borrow” option, and fill in the information to see if you qualify for the Blue.

Using the Standard Bank app, you need to log in to the platform, select the More icon at the bottom, and open a new account. In the menu, select ‘Personal Loan’ and then ‘Apply’ for a credit card to see the available options.

For those who are not Standard Bank customers, the process is somewhat different. The customer needs to fill out the call-me-back form.

To do this, provide your full name, South African ID number, phone number, gross monthly income, and expense breakdown.

As the form’s name suggests, once you submit the information, the bank will contact you to proceed with the service.

Bank customers can also apply for the card and credit by dialing *120*2345# and selecting option 3. The steps are also easy via phone call.

More Details

One of the main benefits of the Standard Bank Blue is earning up to 3x more points with UCount Rewards, the bank’s rewards system.

UCount Rewards costs R25 per month and offers extra cashback on purchases, such as up to 20% on beauty products and at fuel stations.

The card also offers great flexibility in selecting the credit limit. With highly variable options, you can start with a lower limit and increase it over time. 

Want to learn another option?

The Woolworths Gold is an efficient credit card for spending far beyond the retail chain, with 0.75% cashback on purchases across the market. 

Therefore, it also brings the benefits of a visa for everyday management, and you can see how to apply.

Written by

Gabriel Gonçalves