Compare Standard Bank Credit Cards
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 offers credit cards 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 |
ANNUAL
FEE |
INTEREST
FREE PERIOD |
INTEREST
RATE |
| Blue
Credit Card |
R3500.00+ | R104.00 | R165.00 | 55 Days |
20.0 -25.4% |
| Gold
Credit Card |
R10000.00+ | R104.00 | R263.00 | 55 Days | 19.0 -25.4% |
| Titanium
Credit Card |
R25000+ | R104.00 | R320.00 | 55 Days | 10.5 -25.4% |
| Private
Banking Credit Card |
Invitation Only | R104.00 | R495.00 | U/A | U/A |
| Garage
Card |
Secondary Card | FREE | R108.00+ | U/A | 20.0 -25.4% |
| British
Airways Credit Card |
R10000.00+ | R104.00 | R263.00 | 55 Days | 19.0 -25.4% |
| 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 | 20.0 -25.4% |
Standard Bank Credit Card Related Fees
| Fees |
Base
Fee |
Fee
Based Transaction Value Fee |
Maximum
Total Fee |
| Other
Fees |
|||
| Card Replacement Fee- local | R88.00 | ||
| Emergency
Card
Replacement outside South Africa |
R88.00 | ||
| Retrieval
of Statement,
1st Free thereafter (per page) |
R14.50 | ||
|
Retrieval
of one Voucher |
R50.00 R200.00 |
||
| Delivery of Credit Card by Courier | R150.00 | ||
| 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 | R3.75 | 1.1% | |
| Personal & Corporate Cards | R3.75 | 1.1% | |
| Another
Banks ATM |
|||
| Local | R11.00 | 1.1% | |
| International | R25.00 | 1.2% | |
| Over
the counter (local
and international) Personal and Corporate Cards |
R22.00 | 1.2% | |
| Cash
Deposits (AutoBank or over the counter) |
|||
| Cash Deposits | 1 Free, thereafter R1.40 | 1,1% | |
| Depositing a post dated cheque | R77.00 | ||
| Special Clearance of Cheques Deposited | R80.00 | ||
| EFT inwards | 1 Free, thereafter R3.75 | ||
| Balance
Enquiries |
|||
| Standard Bank AutoBank/ Auto Plus (including mini statements) | 1 Free, thereafter R1.50 | ||
| Over the Counter | 1 Free, thereafter R3.80 | ||
| Another Banks ATM | R3.65 | ||
| Account
Payments |
|||
| Electronic Account Payment | R3.75 | 1.1% | R25.00 |
| Branch Account Payment | R3.75 | 1.3% | R34.00 |
| Telephone Banking & Internet Banking | R3.75 | 1.1% | R25.00 |
| Inter-Account
Transfers |
|||
| Standard Bank AutoBank | R3.75 | ||
| Telephone & Internet Banking | R3.75 | ||
| Over the Counter | R3.75 | 1.3% | R34.00 |
| Provisional
Statements |
|||
| AutoPlus | 1 free, thereafter R3.80 | ||
| Over the Counter | 1 free, thereafter R9.80 | ||
| History Statements at Branch | |||
| Up to 60 days | R10.80 | ||
| Up to 120 days | R13.40 | ||
| Up to 180 days | R15.90 | ||
| 180 days plus | R18.50 | ||
| History
Statements at Standard Bank ATM |
|||
| Up to 60 days | R5.20 | ||
| Up to 120 days | R7.80 | ||
| Up to 180 days | R10.40 | ||
| 180 days plus | R11.80 | ||
| Issuing
of Cheques |
|||
| Bank Cheque Issued by a Branch | R61.00 | ||
| Internet
Banking |
|||
| Monthly subscription per card | Free | ||
| General
Transactions |
|||
| Garage Card Transactions | R3.65 | ||
| International Money Conversion Fee | 2% 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 above rates quoted above are current from printing and to be used as a guideline only. There rates are subject to change. Please note that Terms and Conditions apply. Contact the bank directly for additional information and current fees and charges.