Using your credit card


Use your card locally and internationally at over 30 million merchants, or indeed wherever you see the MasterCard® sign.

In-store purchases

A chip- and PIN-enabled card doubles your card security. Chip cards are extremely difficult to copy – and with your secret PIN only you get to use your card.


  • Making a purchase

    • When you’re ready to pay, give the card to the cashier who will insert it into the card reader (if they have a chip-enabled device).
    • While the card is in the reader, check that the transaction amount is correct. Enter your PIN on the PIN pad to authorise the transaction. If your card is removed before you enter your PIN, the transaction will be cancelled.
    • If the merchant is not chip enabled the cashier will swipe the card through the card reader. You will be asked for your signature, as you do with a magstripe credit card.If you have a contactless card, simply tap your credit card within 5cm of the terminal at the point of sale wherever you see a MasterCard® PayPass or the PayPass logo. If your purchase is over R 200 you will need to tap and enter your PIN.
    • For added security, cover the terminal keypad as you enter your PIN.
    • The cashier will give you a duplicate of the slip with your receipt.
    • Keep the slip and check it against your monthly statement. 
  • Using the budget facility

    Use the budget facility for purchases and cash advances of R 200 or more. You can repay the amount over six to 60 months. 

    • You can buy as many items as you need on your budget facility, as long you have credit available on your account.
    • The only purchases you can’t make with your budget facility are traveller's cheques and foreign currency, progressive payments such as bond instalments, petrol purchases and electronic account payments.
    • Budget instalments must be fully repaid every month. To make it easier for you to manage, the amount is included in the minimum payment due – so that you don't have to worry about making additional payments into your budget facility.
    • Budget purchases are subject to interest from the date of the purchase.
    • Budget facility purchases are listed separately in your monthly statements. 


  • Shopping Online

    3D Secure verifies your personal details during an online purchase, prior to a transaction being completed.

    • Every time you buy something online you’ll receive a unique OTP via SMS or email. This ensures that the transaction is being made by you, the cardholder. 
    • When making an online purchase, you will be asked for your:
      • Credit card number
      • Card expiry date
      • The last three numbers of your card validation code (CVC). You can find your CVC on the back of your credit card.

    For more information about using MasterPass™ for online shopping, visit the MasterPass website for more information.

  • Withdrawing cash

    You can withdraw cash from your credit card account – locally and internationally – at any Standard Bank branch or ATM where you see the MasterCard®, Maestro or Cirrus sign. Remember that interest on cash withdrawals is calculated from the date of the transaction.

    Personal identification number (PIN)

    • To get your card PIN, call our Card Division on 0861 201 000 or visit any Standard Bank branch with your identity book and credit card.
    • To personalise your PIN, visit any Standard Bank branch or use any Standard Bank ATM.
    • Memorise your PIN. Do not write it down and never tell anyone what it is.
    • If you can’t memorise your PIN, keep a note of it in a safe place – but not with your card. If your card is lost, stolen or used without your permission you may be held liable for transactions using your PIN.


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