STRANDARD BANK credit and insurance products are LIMITED

"Standard" bank needs to compare their credit card to other banks- from initiation to monthly fee is way higher than the competitors, they have no bundling available or favorable spousal benefits on the card or even a dual card option that does not charge for the use of dual card, this review applies to the Achieva account and Achieva credit card- they do have some bundling but only for the more expensive packages such as Prestige etc which is also not inline with what other banks are offering, first compare yourselves to Absa Ultimate plus bundle which gives your spouse the benefit of Zero fees on a Premium cheque account and Premium credit card and main member only pays R220 and no further card fees and service fees to the two clients, also compare your product to Woolworths Black Credit card where there are far more benefits- the card is known as the "Most wanted credit card" it doesn't limit you to one fuel station and doesn't charge you interest when you purchase fuel on the credit card as I have came to find out that standard bank charges interest on fuel purchases from the moment its purchased- this is ridiculous when all purchases are just that-purchases!. Further benefits on this credit card include 3% back on gift cards and all woolies purchases including 3% back on rates, bill payments, fines at Woolworths and 1% back anywhere else for anything including fuel and electricity and airtime no strings attached and no terms and conditions and thresholds and hoops to jump over, and none of these banks asks for a mandatory balance protect product of R4 per R1000 as standard bank charges, which in my case equates to almost R600 per month- are you insane? to want to impose and force a balance protect insurance product on us which I have asked you to remove yet you refuse coupled with the fact that for almost a month I have been dealing with your insurance department about this and they just are not getting things right or responding with the necessary, we pay our credit cards regularly and we take all the risk with our credit, if i want a credit card protect product I will take a product that covers all my debt- this is not the requirement of any of the other banks and credit cards. One ends up losing the potential of a 55-57days interest free product which is the whole point of a credit card. Besides this you did not tell me at the branch that I can select my own and only after signing do we find out that this is mandatory. I don't wish to bank with Standard bank any longer and have moved most of my products to Absa who actually understand client needs- same as your CFO/CEO has moved to ABSA for good reason. Please remove this mandatory requirement as you are looking for ways to exploit already struggling South Africans with this punitive behavior on everything. Also do a bit of research on the offers of other banks cos you guys are lagging behind and will remain "Standard" if you don't listen to your client so that "It can be" time for "Moving forward".