Learn How to Apply for the World Citizen Credit Card

What do I need to know before applying for a World Citizen Credit Card?

The World Citizen offers travel insurance, purchase protections, exclusive access to lounges and airports around the world, and a maximum limit of R250,000!

Renowned as a prominent player in the South African banking landscape, Standard Bank offers an array of credit facilities and financial solutions to its clientele.

Emblazoned with the prestigious Mastercard Black emblem, the World Citizen card boasts extensive acceptance not only within South Africa but also on the global stage.

In terms of fees, applicants are required to cover an initiation charge of R190 along with a monthly subscription fee of R209. Interest rates span a broad spectrum, ranging from 11.75% to 22.25%, contingent upon individual circumstances.

Upon card issuance, a predefined credit limit is assigned, with provisions for potential expansions. Remarkably, the maximum cap stands at R250,000, a figure notably substantial within the market context.

The World Citizen entitles cardholders to an array of travel benefits, encompassing provisions like flight delay or baggage delay insurance, emergency medical assistance, the issuance of travel insurance letters, purchase protection, and coverage against ATM theft.

Moreover, cardholders enjoy unrestricted access to an extensive network of lounges, including those affiliated with Standard Bank, Bidvest, and various international establishments.

Who can Apply?

Standard Bank adheres to standard protocols for credit card approval, aligning with prevailing practices in the South African financial landscape.

To begin with, applicants must attain a minimum age of 18 years, and approval is contingent upon the successful completion of credit assessments.

While having an account with Standard Bank streamlines the application process, it’s not obligatory, albeit advantageous.

Furthermore, a prerequisite for credit card eligibility is a monthly income of at least R25,000.

During the application procedure, documentation such as a South African ID copy, recent salary slips, proof of residency, and bank statements are required.

Non-citizens are mandated to furnish a valid passport with an active visa for application processing.

How do I Apply for the World Citizen Credit Card?

Standard Bank provides extensive card management capabilities accessible through phones, mobile apps, or ATMs.

Standard Bank’s platform features a verification form where individuals can ascertain card availability by inputting personal details, including their full name, ID number, contact number, income, and monthly expenditures.

Existing bank patrons have the convenience of applying directly through Internet Banking, accessible via the mobile app or website.

On the website, navigate to the ‘Borrow’ section and complete the required fields to explore suitable credit options.

Within the mobile app, locate the addition icon (+) and initiate a new account setup. Then, opt for a personal loan and proceed with the credit card application.

Prospective customers not affiliated with Standard Bank can complete a “Call Me Back” form, furnishing details such as their full name, South African ID, contact number, gross monthly earnings, and regular expenses.

Bank clients also have the option to request the card via mobile phone by dialing *120*2345# and selecting option 3. For further assistance, inquiries can be directed to 0860 123 000.

More Details

Users have the flexibility to customize transaction thresholds, block transactions, and request credit limit augmentations.

As for security measures, the World Citizen card incorporates 3D Secure authentication for online transactions, seamless integration with Masterpass and SnapScan applications, and the utilization of chip and PIN technology.

The card features a comprehensive list of discounts for both travel and lifestyle, with the main ones being:

• 20% off Emirates flights
• 10% discount with Booking.com
• 15% off rentals with Hertz
• 10% discount on purchases at Farfetch
• Access to the Mastercard Gamer Pass
• Access to Global Blue VIP services
• 15% off IHG hotels

The complete list is available directly on Standard Bank’s online platform.

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