Comprehensive Review of the Standard Bank Blue Credit Card (2026)
Standard Bank's Blue Credit Card is a standard, no-frills card — "BlueBean" is Standard Bank's digital-only application channel for it, not a separate product with different terms. Verified against Standard Bank's own site in July 2026.
Key fees and features
- Monthly service fee: R40.
- Once-off initiation fee: R190.
- Interest rate: personalised, ranging from 11.75% (prime − 0.25%) to 22.25% (Repo + 14%), depending on your risk profile.
- Credit limit: up to R250,000.
- Minimum income: R5,000/month.
- Interest-free period: up to 55 days if you pay your balance in full.
- Rewards: UCount Rewards Points, 3x on qualifying spend.
- Tap-to-pay up to R500; SnapScan and Masterpass integration; minimum monthly repayment 3% of your balance.
Is it worth it?
At R40/month with a R5,000 minimum income requirement, this is one of the more accessible credit cards on the market, and the 3x UCount Rewards on qualifying spend adds real value if you use it regularly. Compare other South African credit cards before applying, since your actual interest rate will depend heavily on your credit profile.
