Quick Facts
What is the Standard Bank Credit Card?
Standard Bank's Credit Card is a solid entry to mid-tier offering from Africa's largest bank by assets. With a competitive monthly fee of R52 and access to the UCount Rewards programme, it delivers dependable value for everyday spending.
As a Standard Bank product, the card integrates seamlessly with the bank's comprehensive ecosystem. UCount Rewards becomes more valuable the more Standard Bank products you hold - from cheque accounts to insurance and investments - creating a compelling reason to consolidate your banking.
The card offers standard benefits including up to 55 days interest-free on purchases, travel accident insurance, purchase protection, and the security of 24/7 fraud monitoring. It's an excellent choice for those who value stability and want to build a relationship with a major bank.
Key Features
Fees & Charges
| Fee Type | Amount |
|---|---|
| Monthly Fee | R52 |
| Annual Fee | R624 (R52 x 12) |
| Cash Advance Fee | 4% (min R30) |
| Over Limit Fee | R150 |
| Late Payment Fee | R150 |
| Card Replacement | R100 |
* Fees subject to change. Cash advances start accruing interest immediately with no interest-free period.
Requirements
How to Apply
Check if you qualify
Use Standard Bank's online pre-qualification tool or visit a branch to check your eligibility without affecting your credit score.
Submit your application
Apply through the Standard Bank website, app, or visit any branch. Existing customers may have pre-approved offers waiting.
Provide documentation
Submit your ID, proof of income, and proof of residence. Current Standard Bank customers may not need additional documents.
Await approval
Standard Bank will assess your application. Decisions are typically made within 1-3 business days.
Receive and activate
Collect your card from a branch or receive delivery. Activate through the app or call centre to start using.
Pros & Cons
Advantages
- Competitive monthly fee of R52
- Strong UCount Rewards programme
- Africa's largest bank by assets
- Excellent digital banking app
- Wide ATM and branch network
- Solid travel and purchase protection
Disadvantages
- UCount Rewards require tier qualification
- No airport lounge access on basic card
- Minimum income of R5,000 required
- Some rewards benefits need Standard Bank products
Frequently Asked Questions
Ready to Apply?
Get your Standard Bank Credit Card and start earning UCount Rewards today.
Apply Online Call 0860 123 000Why Choose This Card?
- UCount RewardsEarn on every purchase
- Largest BankAfrica's biggest by assets
- Travel InsuranceCover when you travel
Use Credit Responsibly
Always pay your full balance to avoid interest charges. Credit cards can lead to debt if not managed properly. Only spend what you can afford to repay.
Compare Options
See how this card compares to other credit cards in South Africa.
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Apply for the Standard Bank Credit Card and enjoy UCount Rewards, protection, and more.