Pricing 2012

Credit card

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. As a Standard Bank Credit cardholder you qualify to join the Club. To join all you need to do is register today for just R20 a month and get access to additional disounts on holidays, airline tickets, homeware and much more! 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 cardholders 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 cellphones SIM card). Your chip and PIN card can be used only if the cardholders 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 interestfree 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 R3,90 plus 1,17%. What this means is, if you withdraw R500, the fee is R3,90 plus 1,17% of R500, which totals R9,75 (R3,90 + R5,85).
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Terms and conditions apply.

Credit card fees

Initiation fee Monthly service fee: Accelerate Credit cards Principal card Principal card Annual service fee: MyCard Principal card Annual service fee: Gold Principal card Annual service fee: Titanium Principal card Annual service fee: Platinum Principal card Annual service fee: World card Principal card Annual service fee: Garage card Linked to credit card Linked to current account Stand-alone Bundled Prestige linked to current account MasterCard Blue Online unembossed* Monthly service fee Annual memberships MyCard loyalty fee British Airways Executive Club R120,00 R270,00 R18,00 R115,00 R115,00 R135,00 Free R2 220,00 R515,00 R335,00 R270,00 R180,00 R42,00 R172,00 Annual service fee: Blue and Achiever Credit cards R108,00

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Cover description Automatic cover (up to 75 years of age) Option 1 Option 2 Option 3 Seniors cover (age 76 to 84) Pre existing cover Option 1 Option 2 Option 3

1-15 days Rate all cards Free R293 R322 R361 R875 R716 R824 R1 196

16-90 days Free R480 R519 R564 R1 287 R1 179 R1 326 R1 897

91-180 days Free R1 021 R1 129 R1 242 No cover R2 512 R2 896 R4 177

Mandate 1-90 days Free R288 R317 R344

Base fee

Fee-based transaction value fee

Maximum total fee

Other fees Card replacement fee in South Africa Emergency card replacement outside South Africa Same-day replacement Delivery of credit card by courier (depending on distance and urgency) Retrieval of statement, first free thereafter (for each page) Retrieval of one voucher South Africa International Late payment fee** Honouring fee** Arrears fee 60 days Cash withdrawals Standard Bank ATM Personal cards Another banks ATM local international R11,00 R27,50 1,20% 1,3% R3,90 R3,90 1,17% 1,17% R93,00 R93,00 R370,00 R160,00 R15,30 R52,00 R216,00 R128,00 R120,00 R18,50

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Base fee

Fee based transaction value fee 1,3% 1,15% 1,20%

Maximum total fee

Over the counter (local and international) Personal and Corporate cards Cash deposits AutoBank or over the counter at a branch (one free, thereafter) Cash deposits ATM Branch Depositing a post-dated cheque Special clearance of cheques deposited Electronic funds transfer (EFT) inwards Balance enquiries Standard Bank AutoBank/AutoPlus (including mini-statements) Over the counter at a branch Another banks ATM Account payments Electronic account payment R3,90 Branch account payment R4,50 Telephone and Internet banking R3,90 Inter-account transfers Standard Bank AutoBank Telephone and Internet banking Over the counter at a branch R4,50 Provisional Statements AutoPlus Over the counter at a branch History Statements at a branch Two months Four months Six months R11,20 R14,00 R16,50 One free, thereafter R4,00 One free, thereafter R10,40 1,5% R3,90 R3,90 Maximum R38,00 1,17% 1,5% 1,17% Maximum R26,00 Maximum R38,00 Maximum R26,00 One free, thereafter R1,40 One free, thereafter R4,00 R3,85 R3,90 R7,00 R80,00 Free One free R3,90 R25,00

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Credit card

Base fee History Statements at an ATM Two months Four months Six months Issuing of cheques Bank cheque issued by branch Internet Banking Monthly subscription for each card General transactions Fuel transactions fee International currency conversion fee R3,85 2,5% of rand value of transaction R2,75 Free R70,00 R5,40 R8,20 R10,80

Smart data online for each transaction

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No new accounts will be opened for this product after 31 December 2009 Applicable to accounts opened or upgraded before 1 June 2007

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
This brochure is not a full list of our prices. For more 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 let you know 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) The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). SBSA 103609/R - 12/11

Standard Bank supports the Ombudsman for Banking Services Sharecall number 0860 800 900

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