Standard Bank is one of South Africa’s largest banks, not only does it operate in 18 African Nations, Standard Bank also operates in 20 other countries through out the world. Standard Bank opened in Port Elizabeth in 1863 as a small bank. Due to its success and financing Standard Bank has grown quickly and with a fantastic reputation through out history.
Standard Bank credit cards come with no fees on purchases; this allows you the freedom and safety of leaving home with out your cheque book and the need for cash. No transaction is too big or small.
Standard Bank Credit Cards cater for international travellers and spenders. You are able to make internet purchases online safely and your card will be accepted through out the world and at any Mastercard and Cirrus atms.
Standard bank sets qualifying criteria for all of its cards. When comparing credit cards with in Standard bank and through out South African banks make sure to check on these qualifying criteria to be sure that you can take advantage of what that credit card and bank has to offer.
Credit Card Comparison
| CARD | SUITABLE INCOME (per month) | INITIATION FEE per annum (once off) | ANNUAL FEE | INTEREST FREE PERIOD | INTEREST RATE (variable) |
| Blue Credit Card | R36000.00+ | R108.00 | R172.00 | 55 Days | 18.50-21.10% |
| Gold Credit Card | R96000.00+ | R108.00 | R270.00 | 55 Days | 17.50-21.10% |
| Titanium Credit Card | U/A | R108.00 | R335.00 | 55 Days | 16.50-21.10% |
| Private Banking Credit Card | Invitation Only | R108.00 | R495.00 | U/A | U/A |
| Garage Card | Secondary Card | FREE | R115.00 | U/A | 18.50-21.10% |
| Garage Card (Standalone) | R36000.00+ | R108.00 | R135.00 | U/A | 18.50-21.10% |
| British Airways Credit Card | R120000.00+ | R108.00 | R270.00 | 55 Days | 17.50-21.10% |
| Orlando Pirates Credit Card | R3500.00+ | R104.00 | R165.00 | N/A | U/A |
| Corporate Credit Card | R10000.00+ | R104.00 | R168.00 | 55 Days | 18.50-21.10% |
| Platinum Credit Card | By invitation only | R108.00 | R515.00 | 55 Days | 9 – 21.10% |
Standard Bank Credit Card Related Fees
| Fees | Base Fee | Fee Based Transaction Value Fee | Maximum Total Fee |
| Other Fees |
|
|
|
| Card Replacement Fee- local | R93.00 | ||
| Emergency Card Replacement
outside South Africa |
R93.00 | ||
| Retrieval of Statement, 1st Free
thereafter (per page) |
R15.30 | ||
| Retrieval of one Voucher
- South Africa - International |
R52.00
R216.00 |
||
| Delivery of Credit Card by Courier | R160.00 | ||
| Late Payment Fee* | R128.00 | ||
| Honouring Fee* for exceeding credit card limit | R120.00 | ||
| Arrear Fee- 60 days | R18.50 | ||
| Cash Withdrawals |
|||
| Standard Bank Auto Bank | R3.90 | 1.17% | |
| Personal & Corporate Cards | R3.90 | 1.17% | |
| Another Banks ATM |
|||
| Local | R11.00 | 1.20% | |
| International | R27.50 | 1.30% | |
| Over the counter (local and international)
Personal and Corporate Cards |
R25.00 | 1.30% | |
| Cash Deposits (AutoBank or over the counter) |
|||
| Cash Deposits – ATM (first deposit free)
- Branch (first deposit free) |
R1.40
R7.00 |
1.15%
1.20% |
|
| Depositing a post dated cheque | R80.00 | ||
| Special Clearance of Cheques Deposited | Free | ||
| EFT inwards | 1 Free, thereafter R3.75 | ||
| Balance Enquiries |
|||
| Standard Bank AutoBank/ Auto Plus (including mini statements) | One free, thereafter R1.40 | ||
| Over the Counter (at a branch) | 1 Free, thereafter R4.00 | ||
| Another Banks ATM | R3.85 | ||
| Account Payments |
|||
| Electronic Account Payment | R3.90 | 1.17% | R26.00 (Max) |
| Branch Account Payment | R4.50 | 1.5% | R38.00 (Max) |
| Telephone Banking & Internet Banking | R3.90 | 1.17% | R26.00 (Max) |
| Inter-Account Transfers |
|||
| Standard Bank AutoBank | R3.90 | ||
| Telephone & Internet Banking | R3.90 | ||
| Over the Counter (at a branch) | R4.50 | 1.50% | R38.00 (Max) |
| Provisional Statements |
|||
| AutoPlus | 1 free, thereafter R4.00 | ||
| Over the Counter | 1 free, thereafter R10.40 | ||
| History Statements at Branch | |||
| Up to 60 days | R11.20 | ||
| Up to 120 days | R14.00 | ||
| Up to 180 days | R16.50 | ||
| 180 days plus | R18.50 | ||
| History Statements at Standard Bank ATM |
|||
| Up to 60 days | R5.40 | ||
| Up to 120 days | R8.20 | ||
| Up to 180 days | R10.80 | ||
| 180 days plus | R11.80 | ||
| Issuing of Cheques |
|||
| Bank Cheque Issued by a Branch | R70.00 | ||
| Internet Banking |
|||
| Monthly subscription per card | Free | ||
| General Transactions |
|||
| Garage Card Transactions | R3.85 | ||
| International Money Conversion Fee | 2.50% of Rand value of the transaction | ||
| Smart Data Online- per transaction | R2.75 |
* Applicable to accounts opened or upgraded before 1st of June 07
Additional Benefits of a STANDARD BANK Credit Card
-Free Internet, Cellphone and Telephone Banking when linking your Internet profile to your credit card.
-Free Automatic Payment Order.
-Free travel insurance when paying for your ticket with your Standard Bank Credit Card.
-Free point of sale transactions when swiping your card at a merchant.
-One free statement per month.
-Free secondary cards
-Lost card protection.
-Free budget facility.
-Free account limit changes.
-One free per month of the following:
Cash Deposit
Standard Bank ATM Balance enquiry
ATM provisional statement per month
Disclaimer
Please note that the rates quoted above are current from printing and to be used as a guideline only. These rates are subject to change. Please note that Terms and Conditions apply. Contact the bank directly for additional information and to verify fees and charges.