Redeem into a Term Loan

About Term Loans

Get a Term Loan of up to R300 000 at a fixed monthly repayment amount and term you feel comfortable with. You can choose to repay your loan over 12 to 72 months.

Features and benefits:
  • Personalised interest rate when you apply
  • Up to 72 months to repay
  • Fixed term
  • There are no early termination fees if you choose to pay off your loan sooner
  • Your loan is insured, so whatever's owed can be settled in the event of disability, dread disease or death

Once your Term Loan account is opened, you can redeem your Rewards Points either online or by calling the UCount Rewards Contact Centre on 0860 UCOUNT (82 68 68).

For Online Redemptions:
  • Sign in to UCount Rewards using your selected username and password.
  • Click on the "Online Redemption Portal" tab.
  • Click on the "Lending Products" tab.
  • Add Term Loan to your basket
  • Select your quantity.
  • Select "Deposit in Standard Bank Term Loan"
  • Select the Rand equivalent for your redemption.

*IMPORTANT: The minimum amount you can redeem into a Term Loan is 2500 Rewards Points (R250). Redemptions have no limit but must be in increments of 2500 Rewards Points (R250).

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Promotions and Notices

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What’s New?

Help a student in need by redeeming your Rewards Points into Feenix™ or pay your loved one's school fees with your Rewards Points via School-Days®. Visit to create your profile, or register on or download the School-Days® app. Redeem using your UCount Rewards Card. T&Cs apply

Important Notices
Important Notices

Stay informed with the latest notices and information about our rewards programme, including changing earn rates, newest Rewards Retailers, and more.

Keep your information personal

At Standard Bank, your personal information is as personal to us as it is to you, which is why we'll never ask you to provide us with your login details.