Learn How to Apply for the Standard Bank Gold Credit Card

What to Know Before Applying?

The Standard Bank Gold is a good credit card option offering an attractive cost-benefit ratio and discounts on Emirates purchases!

Standard Bank has a range of credit card lines, and the Mastercard Gold offers a good array of benefits at a lower cost.

The card focuses on travel benefits, priceless specials, reservations, and treats for yourself.

First, regarding costs, you need to pay an initiation fee of R190 with a monthly fee of R63. All for a credit line of R250,000 and a minimum monthly payment of 3% for automatic payment.

The card is enabled for chip and PIN, as well as contactless payment up to R500, and is connected to SnapScan and Masterpass.

You can manage the Gold card via the phone on the online app. Check out the travel benefits:

• Automatic basic travel insurance;
• Up to 20% discount on Emirates tickets;
• Up to 10% cashback with Booking.com;
• Up to 10% discount on hard and flexible luggage from Gopals;
• Up to 10% discount on rentals with Rentalcars and up to 20% with Avis;
• Up to 20% discount on flights with TravelStart;
• Up to 15% at IHG hotels and resorts.

If you liked the card, find out more about it.

Who can Apply?

Standard Bank is quite efficient in clarifying the conditions for applying for and obtaining the credit card.

Firstly, you must be at least 18 years old and properly registered in the country either as a native or as a foreigner with a work visa for South Africa.

You must also provide a verifiable minimum monthly income of at least R5,000. The bank will also conduct a thorough check of your credit history.

During the process, you can already gather documents such as:

• Proof of income;
• Proof of address;
• Pay slips from the last 3 months;
• Copy of ID.

It’s worth noting that meeting the conditions does not guarantee the card as it is subject to availability.

How do I Apply for the Standard Bank Gold Credit Card?

The Standard Bank webpage offers a “Do I Qualify?” feature for non-customers of the bank.

By clicking this button, you’ll be directed to an application form where you’ll need to provide your full name, South African ID number, phone number, gross monthly income, and monthly expenses.

After submitting the necessary information, the bank will help evaluate your needs and discuss the card with you.

For current bank account holders, you can apply for the card directly through internet banking or the bank’s app.

Simply log into your account using your username and password to view available cards under the “Borrow” and “Personal Loan” sections.

If the card is listed as an option for you, you can proceed with the application.

If not, you can contact the bank directly. Alternatively, you can request the card by calling Standard Bank or visiting one of their branches throughout South Africa.

More Details

The card has a series of benefits for your everyday life, such as:

• Access to Priceless Specials for food;
• Up to 2 months free of Lingokids;
• Up to 25% off the first Fiit subscription payment;
• Mastercard Gamer Pass;
• Up to 10% discounts on surgeries and procedures with Mastercard.

Additionally, the card offers 3x more UCount Rewards points, Standard Bank’s rewards system. The bank operates with different levels of rewards based on customers’ purchases and credit profiles.

In this way, the credit card is quite efficient for use both inside and outside of South Africa, providing plenty of security for making purchases online or directly with the card.

Want to learn another option?

The Discovery Bank Platinum Suite is a credit card that offers higher benefit lines, such as Vitality Money for your financial health and Discovery Miles to exchange for products, flights, or cash.

The card also provides a range of other benefits, such as access in partnership with SAA, discounts on flights, and comprehensive security for your daily life, see how to apply.

Written by

Gabriel Gonçalves