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Credit card fees
Initiation fee R110,00
Monthly service fee:
Accelerate Credit cards
Principal card R44,00
Annual service fee: Blue and Achiever Credit cards
Principal card R182,00
Annual service fee: MyCard
Principal card R190,00
Annual service fee: Gold
Principal card R270,00
Annual service fee: Titanium
Principal card R355,00
Annual service fee: Platinum
Principal card R545,00
Annual service fee: World card
Principal card R2 220,00
Annual service fee: Garage card
Linked to credit card R120,00
Linked to current account R120,00
Stand-alone R200,00
Bundled Prestige linked to
current account Free
MasterCard Blue Online – unembossed*
Monthly service fee R19,00
Annual memberships
MyCard loyalty fee R120,00
British Airways Executive Club R270,00
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Base fee Fee-based Maximum
transaction total fee
value fee
Other fees
Card replacement fee in South Africa R98,00
Emergency card replacement outside South Africa R98,00
Same-day replacement R370,00
Delivery of credit card by courier (depending on
distance and urgency) R170,00
Retrieval of statement, first free thereafter
(for each page) R20,00
Retrieval of one voucher – South Africa R55,00
– International R222,00
Late payment fee** R135,00
Honouring fee** R120,00
Arrears fee – 60 days R19,50
Internal debit Order R3,50
External debit Order R12,00
Cheque deposit fee Branch – per cheque R15,00
Cheque deposit fee ATM – per cheque R10,00
Cash withdrawals
Standard Bank ATM R3,50 1,05%
Personal cards R3,50 1,05%
Another bank’s ATM
– local R11,00 1,15%
– international R30,00 1,30%
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Base fee Fee based Maximum
transaction total fee
value fee
Over the counter (local and international)
Personal and Corporate cards R30,00 1,15%
Cash deposits – AutoBank or over the counter at a branch (one free, thereafter)
Cash deposits – ATM R4,00 1,15%
– Branch R10,00 1,15%
Depositing a post-dated cheque R85,00
Special clearance of cheques deposited Free
Electronic funds transfer (EFT) inwards One free R4,00
Balance enquiries
Standard Bank AutoBank/AutoPlus
(including mini-statements) One free, thereafter R1,00
Over the counter at a branch One free, thereafter R4,00
Another bank’s ATM R5,00
Account payments
Electronic account payment R4,00 1,15%
Branch account payment R30,00
Telephone and Internet banking R4,00 1,15%
Inter-account transfers
Standard Bank AutoBank R3,50
Telephone and Internet banking R3,50
Over the counter at a branch R30,00
Provisional Statements
AutoPlus One free, thereafter R4,00
Over the counter at a branch One free, thereafter R15,00
History Statements at a branch
Two months R15,00
Four months R20,00
Six months R25,00
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Base fee
History Statements at an ATM
Two months R7,50
Four months R10,00
Six months R12,00
Issuing of cheques
Bank cheque issued by branch R74,00
Internet Banking
Monthly subscription for each card Free
General transactions
*** Fuel transactions fee on a
Garage card R3,85
International currency conversion fee 2,5% of
rand value of
transaction
Smart data online – for each
transaction R2,75
* No new accounts will be opened for this product after
31 December 2009
** Applicable to accounts opened or upgraded before 1 June 2007
*** Only applicable to stand alone Garage cards (this excludes Garage cards
linked to a Transactional account and/or Credit Card).
Contact details
If you have further questions, call us on 0861 201 000
or email us at cardqueries@standardbank.co.za
• For more information on Value Choices,
call 0861 825 832 or visit
www.standardbank.co.za/valuechoices
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Standard Bank Credit and Garage
cards pricing
Your Standard Bank Credit card is an easy, safe and convenient way to pay for goods and services. It also comes with a range of special offers
and discounts that are exclusive to you, as a Standard Bank Credit cardholder. Your card also provides you with exceptional value, including
the following:
• Local and international acceptance with 30 million merchants worldwide.
• Your credit card can be linked to your current or savings account for easy and convenient management of your money using any of our
electronic channels.
• A budget facility where you can spend R200 or more and repay the amount you spend over periods of between 6 and 60 months.
• A single credit limit that you may use as you choose, since you can link additional cards and a Garage card to your credit card. You are in
total control.
• Get up to 55 days’ interest-free credit if the full outstanding balance is paid by the due date each month.
• A repayment option to meet your needs. You may choose to repay the minimum amount, which is as low as 3% (10% for Accelerate and
MasterCard unembossed) of the outstanding balance, or R25, (R100 for Accelerate and MasterCard unembossed) whichever is greater.
• Value Choices brings you a range of special offers, discounts and promotions exclusive to you as a Standard Bank personal credit
cardholder. There is no joining fee, no hidden costs, no points to earn or redeem. You simply need to pay with your credit card to enjoy
the benefits.
• You can safely pay for goods and services over the Internet by registering with MasterCard secure code.
Your credit card also brings you the following free benefits, among others:
• Free Internet, telephone and cellphone banking when you link your Internet profile to your credit card.
• Free and convenient automatic payment order (APO), a payment option that helps you to manage your account without hassles.
• Free basic travel insurance when you pay for travel tickets with your Standard Bank Credit card.***
• No point-of-sale transaction fees when you swipe your card at a merchant.
• Free electronic statements sent directly to your email account.
• Free secondary cards, which are convenient for the main cardholder’s spouse, partner or children.
• Free lost card protection, protecting you against fraudulent transactions on your stolen or lost card provided that it is reported to us.
• Free budget facility.
• Free account limit changes.
• Free ATM balance enquiries if you choose to display your balance on screen.
• Plus you also get one of the following free each month.
– Cash deposit at AutoBank or over the counter at a branch.
– Balance enquiry at an AutoBank, AutoPlus or over the counter at a branch.
– Retrieval of statement at an AutoBank, AutoPlus or over the counter at a branch.
– ATM provisional statement at an AutoPlus or over the counter at a branch.
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Added safety and security
Our chip and PIN credit cards help protect you from fraudulent transactions. These smart cards include an electronic chip (rather like your
cellphone’s SIM card). Your chip and PIN card can be used only if the cardholder’s secret personal identity number (PIN)
is entered during the transaction at a merchant.
How to save money with your credit card
Read through our pricing guide and you will see that you can cut costs by using our self-service channels, including ATMs, Cellphone,
Internet and Telephone banking rather than a branch. If you make several cash deposits a month, think about consolidating them into one.
Consider swiping your credit card for purchases instead of drawing cash, as the transaction is free and you also get up to 55 days’ interest-
free credit.
How to calculate your costs
Transaction fees have two parts – one fixed and one variable. For instance, the fee for a cash withdrawal from an AutoBank machine costs
R3,50 plus 1,05%. What this means is, if you withdraw R500, the fee is R3,50 plus 1,05% of R500, which totals R8,75 (R3,50 + R5,25).
***
Terms and conditions apply.
This brochure is not a comprehensive list of our prices. For further information, please contact your branch.
Prices include VAT and are subject to change.
Disclaimer
Our products and services, and the terms under which they are offered, may change.
We will inform you within a reasonable time of these changes.
It is in your interest to read your contract carefully.
If you have any questions or need more information contact your branch.
Standard Bank subscribes to the Code of Banking Practice.
Please ask your branch for details.
Authorised financial services and registered credit
provider (NCRCP15) Standard Bank supports the
The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). Ombudsman for Banking Services
SBSA 111416 – 3/12 Sharecall number 0860 800 900
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