How to Apply for your Standard Bank Blue Credit Card

The Standard Bank Blue Credit Card offers an affordable credit facility with a monthly fee of R40 and a minimum income requirement of R5,000. This card features a credit limit of up to R250,000, personalised interest rates, and benefits such as 55 days interest-free if the balance is paid in full.

3D Secure verification for online shopping and tap-to-pay functionality ensures a secure and convenient shopping experience. Users can manage their cards through the Standard Bank app or Internet Banking, which offers UCount Rewards points for purchases.

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About Standard Bank

Standard Bank, one of South Africa’s largest financial institutions, has a rich history and a strong presence in the financial sector. Established in 1862, the bank has become a trusted name, offering various personal and business banking services. These services include bank accounts, credit cards, loans, investments, and insurance products designed to meet the diverse needs of its customers.

The bank prides itself on its innovative digital banking solutions, providing customers with self-service banking options and comprehensive financial planning tools. Standard Bank is committed to helping customers manage their finances effectively and securely through various online services and resources.

This commitment to innovation and customer service has positioned Standard Bank as a South African banking industry leader.

With a dedicated security center, Standard Bank ensures that all transactions and banking activities are conducted safely and securely, reinforcing its reputation for reliability and trustworthiness.

Standard Bank Blue Credit Card Benefits

To know more about the main perks of this card, see below:

• Worldwide acceptance with Mastercard to ensure peace of mind when traveling or shopping online
• Earn points in every transaction you make with your card thanks to the UCount Rewards Program, it will enhance your everyday spending experience
• Enjoy financial flexibility with up to 55 days of interest-free, it’s a good option to save some money.
• Also, you can choose a credit card protection plan to cover you in unfortunate events like death or disability.

Step-by-Step Guide to Apply for the Standard Bank Blue Credit Card

If you already have a Standard Bank account, see how to apply for a Blue Credit Card below:

Requirements

Before starting your credit card application, you need to meet some eligibility criteria, see below:

• A copy of your South African ID or passport if you are a foreigner
• A recent payslip
• Three months bank statement.
• Proof of residence at most three months.
• Minimum monthly income: R5 000
• Be at least 18 years old

Apply on Internet Banking:

• Go to the Diners Club Credit Card official website
• Review the eligibility criteria and the documentation needed
• If you meet all requirements, start your application by pressing the “Do I Qualify?” button at the top of the page
• You will be redirected to the card’s application form, fill it out with your personal and financial information
• Review all details provided to be sure that everything is correct
• If everything is ok, submit the card’s application form
• The bank will analyze the info provided, and you will get an approval email in a few days.
• If approved, the bank will send your card to the address provided within a few days.

Apply on the Standard Bank App:

• Sign into your Standard Bank App.
• Tap on the More icon at the bottom of your screen.
• Next, tap on Open a new account.
• Select Personal Lending.
• Tap the Apply button under the Credit Card option and follow the on-screen steps.

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Increase Your Credit Card Limit

Please note that the credit limit increase option is only available if you have an existing Standard Bank Credit Card. All limit increases are based on your card account and credit history.

How to Apply for an Increase:

1. Log into your Standard Bank App.
2. Navigate to the Credit Card section within your Accounts.
3. Click on the ‘Apply’ button and the ‘Increase Credit Limit’ option.
4. Follow the on-screen instructions to see your eligibility.
5. Customize the offer to your needs and submit your application.

Fees and Tariffs

• Monthly Card fee: R40
• Initiation fee: R190
• Interest rates: 11.75% – 22.25%, based on your creditworthiness
• Minimum monthly repayment: 3%

Card Features

• Chip-and PIN-enabled Mastercard credit card.
• Shop at millions of merchants and ATMs in South Africa and abroad
• 3D Secure verification for safe online shopping.
• Contactless in-store payments for R500 or less.
• Link your card to the SnapScan or Masterpass apps to pay with using your phone.
• Manage your Blue Credit Card on your phone, in-app, online, or ATMs.
• Activate or disable till-point, ATM, and online card functionality using our app.
• There is a single limit for straight and budget facilities.
• Earn from 3x more UCount Rewards Points on every purchase, no matter where you shop.

The Standard Bank Blue Credit Card offers an affordable and straightforward credit solution with essential benefits, making it a practical choice for individuals seeking financial flexibility and security. With its low monthly fee, robust security features, and convenient management options, this card provides excellent value for money and ease of use.

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