Learn How to Apply for a Standard Bank Gold Credit Card

Explore the various application options to request the Standard Bank Gold Credit Card and discover all its benefits!

What do I need to know before applying for a Standard Bank Gold Credit Card?

The Gold Credit Card follows Standard Bank’s application criteria. Photo by Freepik.

The Standard Bank Gold is a credit card offered by the renowned financial conglomerate Standard Bank, which has a significant presence in South Africa, operating in 20 African countries for over 160 years. With over 15 million active customers and a transaction history exceeding R1.4 trillion, Standard Bank is recognized for providing a wide range of financial services.

Positioned as an intermediate option, this card offers a personalized credit limit of up to R250,000 per month. It stands out for providing effective financial management, with benefits such as 3D Secure verification for online purchases, comprehensive payment and ATM withdrawal capabilities, and up to 55 days of interest-free periods.

For travel enthusiasts, the Gold Credit Card offers enticing benefits, including up to 20% discounts on Emirates flights, exclusive offers with Priceless Cities, cashback on Booking.com reservations, and discounts on car rentals with Rentalcars.com. The card also extends lifestyle and insurance perks, such as access to Mastercard Pass, discounts on medical tourism surgeries, and automatic basic travel insurance.

Applying for the Gold Credit Card is open to both existing and non-customers of Standard Bank, and card management is conveniently conducted online and through mobile devices. However, it’s essential for potential applicants to familiarize themselves with all conditions before initiating the application process.

Who can Apply for the Standard Bank Gold Credit Card?

The application for the Standard Bank credit card is open to both existing customers and non-customers. Upon approval, a card account is created, allowing users to manage their finances with the technological resources of one of South Africa’s leading financial institutions. Essentially, applicants must be 18 years of age or older and legally registered in South Africa, either as a native citizen or a foreigner with a valid work visa.

Regarding employment status, a minimum verifiable monthly income of R5,000 is required, preferably from formal employment or another secure source. It’s important to note that approval is subject to a credit check, so individuals with a poor credit history may encounter difficulties. Additionally, the bank does not impose major restrictions on potential customers beyond these requirements.

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


Gold Credit Card

Travel discounts Customizable limits Access to internet banking Exclusive offers with Standard Bank partners

Customized credit limit up to R250,000 and travel benefits!


* You will be directed to an external website

The application for the Gold credit card differs based on whether the applicant is an existing customer of the bank. For account holders, the process can be completed through Internet banking by logging in, accessing the loan menu, filling in the required information, and checking which credit card the customer qualifies for.

Alternatively, customers can apply through the bank’s mobile app by navigating to the ‘More’ tab, selecting ‘Open a new account,’ choosing ‘Personal Loan,’ and then selecting ‘Apply’ under the ‘Credit Card’ option to request the card.

For non-customers, the application involves filling out a call-me-back form with the following information: name, surname, South African ID number, phone number, gross monthly salary, and monthly expenses. Additionally, the customer must consent to the information analysis directly in the call-back form.

Throughout the process, the bank will request the following documents: a copy of the South African ID or passport with a visa, a recent payslip, bank statements from the last 3 months, and proof of residence dated within the last 3 months. The bank will conduct a credit check to initiate discussions about credit card options for the customer.

Want to learn about another option?

The SAA Voyager Premium Credit Card is quite different from the Gold Card, specifically catering to those with greater needs outside of South Africa who require more travel benefits. You can find more details on this card.

Gabriel Gonçalves
Written by

Gabriel Gonçalves

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