Learn How to Apply for a Standard Bank Titanium Credit Card

Here is a step-by-step guide to applying for the Standard Bank Titanium Credit Card through various contact methods with the bank.

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

The Standard Bank also offers the Titanium card to non-bank customers. Photo by Freepik.

The Standard Bank Titanium Credit Card stands out as an intermediate credit option, offering a monthly credit limit of up to R250,000 along with personalized interest rates. Unlike some premium cards, it requires a relatively lower minimum monthly income of R25,000, making it accessible to a broader range of individuals.

With a monthly maintenance fee of R86, the card presents a balanced cost structure. Its features include insurance benefits, cashback on travel, and discounts on various purchases, contributing to a comprehensive offering.

This credit card operates within the Mastercard network, ensuring global acceptance and ease of use both within South Africa and internationally. The bank’s digital platforms facilitate efficient management, allowing users to monitor spending, block or deactivate the card in case of emergencies, and even request a limit increase.

Additionally, the Titanium Credit Card is designed for a diverse audience, providing a versatile financial tool for those seeking a reliable credit solution with valuable perks. Overall, it aligns with Standard Bank’s commitment to offering inclusive financial products and services.

The bank’s multiple communication channels accommodate applications from both existing customers and non-customers, ensuring accessibility and a straightforward application process.

Who can Apply for the Standard Bank Titanium Credit Card?

The Standard Bank Titanium Credit Card represents a premium offering with a more selective application process, catering to a specific clientele due to its elevated benefits and associated maintenance costs.

As a premium card, it imposes stricter criteria for client selection. Notably, applicants are not required to hold a Standard Bank account, offering flexibility for those who wish to apply directly through internet banking or by phone, leveraging existing contact information stored by the bank.

To be eligible for the Titanium card, applicants must meet the following criteria:

  • Be at least 18 years old
  • Possess a valid identity card or passport for South African residence
  • Demonstrate a minimum monthly income of R25,000, substantiated by appropriate documentation

The Standard Bank does not impose major distinctions beyond these criteria, making the Titanium Credit Card accessible to a wider range of potential users.

This approach aligns with the bank’s strategy to offer premium services to clients who meet the specified requirements, providing them with an exclusive financial tool without additional restrictions.

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


Titanium Credit Card

Benefits on Travel Low maintenance fee Shopping benefits Complete management through the app

Premium benefits for an affordable monthly fee!


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Clients of Standard Bank who are already engaged in other banking services can apply for the credit card directly through internet banking. The process involves the following steps:

  • Access the top menu and find the ‘Borrow’ option
  • The questionnaire will guide the client to the qualifying credit card

Similarly, in the Standard Bank app:

  • Access the ‘More’ icon at the bottom of the screen
  • Select ‘Open a new account’ and ‘Personal Loan’
  • In the ‘Apply’ menu under ‘Credit Card,’ clients can follow the steps to view and apply for the available card

Clients can also initiate the card application via phone by dialing *120*2345# on their mobile devices and selecting option 3.

For non-bank clients, Standard Bank provides a contact form, requesting the following information:

  • Full name
  • South African ID Number
  • Phone number
  • Gross monthly income
  • Total expenses

Subsequently, the bank will reach out to verify the card’s availability for the customer.

Want to learn about another option?

The Platinum card is another credit card option from Standard Bank, providing the same monthly limit and some differences in benefits as it is a more comprehensive card. If you want to learn more about this card, let me know.

Gabriel Gonçalves
Written by

Gabriel Gonçalves

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