The balance transfer benefit relates to moving the balance from another banks credit card to the PPS Credit Card. As a PPS Card holder you can choose from one of 3 options to pay back your transferred balance at this preferential rate.

• Option 1: 0% interest for 3 months on transferred balance, thereafter personalized interest rate will apply.
• Option 2: 6% interest for 6 months on transferred balance, thereafter personalized interest rate will apply.
• Option 3: 12% interest for 12 months on transferred balance, thereafter personalized interest rate will apply.

If you have an existing Standard Bank credit card this benefit is not applicable.

To see the costs of the PPS credit card click here.

You can call 0861 201 000 to retrieve your PIN.

PPS Points are rewards points you earn everywhere you shop with your PPS Credit Card, instore or online.

When you spend on your card and reach points goals you will receive digital money that is deposited into your PPS App. You can spend this digital money on anything from electronics and appliances to fuel, fashion and more at one of the participating retailers available with the PPS Rewards App. You earn 1 PPS Point for every R5 you spend on your PPS Credit Card. The more you spend on the Card, the more PPS Points you will earn.

The Profit-Share Booster is only available to PPS members who have a qualifying PPS product, and a valid Profit-Share Account. To enhance your profit-share pay-out you would first need to have digital money in your PPS Rewards App .

You would then need to select the “Profit-Share Booster” option in the PPS Rewards App. This would then allow you to use your rewards balance in your digital wallet to enhance your profit share. You would select a value and we would boost the value to a higher amount.

The value of the Profit-Share Booster that you’ve accumulated will be allocated to your Profit-Share Account annually, in line with PPS Profit-Share rules.

The profit share booster is only available to PPS members who have a qualifying PPS product and a valid Profit-Share Account

Qualifying PPS products are the following:

• Sickness & Permanent Incapacity
• Professional Life Provider
• Professional Disability Provider
• Critical Illness Cover
• Accidental Death Product
• Education Cover
• Investment Account
• Personal Pension
• Endowment Plan
• Preservation Fund
• Living Annuity
• Profmed Medical Aid

Yes, you can use your PPS Credit Card, and you’ll earn PPS Points on qualifying purchases.

The card will be delivered to you directly at your home or office – whichever is more convenient. Please ensure that you have both the original and copies of your Identification Document, as well as proof of residence no more than 3-months old.

There are 4 payment options available:

• Load a Debit Order facility by contacting our customer support on 0860 123 101.
• Load your PPS Credit Card account number as a beneficiary on your internet and mobile banking apps, and make EFT payments into the account.
• Pay at any Standard Bank ATM (1 Free per Statement cycle, thereafter standard rates apply. See Pricing guide for details).
• Pay at any Standard Bank branch (Standard rates apply, see pricing guide for details).

If you are unclear about any of the above options please contact our customer support on 0860 123 101 for assistance

Yes, you do. For Internet Banking you can access the Internet Banking link from the PPS website or you can visit www.standardbank.co.za to create your self-service banking profile.

You can also download the Standard Bank Banking App from your App Store and register for the service.