See How to Apply for the Standard Bank Gold Credit Card

What to know before applying?

The Standard Bank Gold is a credit card designed to offer bank benefits like up to 20% discounts at Emirates and low maintenance fees.

Standard Bank offers a variety of credit card options, and the Mastercard Gold stands out by providing a wide range of benefits at a lower cost.

This card is geared towards travel perks, exclusive deals, reservations, and personal indulgences.

As for the costs, there is an initiation fee of R190 and a monthly maintenance fee of R63. It offers a credit limit of up to R250,000, with a minimum monthly payment of 3% for automatic payments.

The card supports chip and PIN technology, contactless payments up to R500, and is compatible with SnapScan and Masterpass.

You can manage your Gold card through the mobile app. Here are some of the travel benefits:

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

If you want to know more, keep reading about this card.

Who can Apply?

Standard Bank clearly outlines the requirements for applying for and obtaining a credit card.

To qualify, you need to be at least 18 years old and properly registered in the country, either as a South African citizen or a foreigner with a valid work visa for South Africa.

You must also demonstrate a minimum verifiable monthly income of R5,000, and the bank will review your credit history as part of the application process.

It’s a good idea to have the following documents ready: proof of income, proof of address, pay slips from the last three months, and a copy of your ID.

Keep in mind that fulfilling these requirements does not guarantee approval, as the card is subject to availability.

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

The Standard Bank website provides a “Do I Qualify?” tool specifically for non-customers.

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

Once you’ve submitted the required details, the bank will assess your information and discuss the card options with you.

For existing bank account holders, you can apply for the card directly through online banking or the bank’s mobile app.

Log into your account using your username and password, then check the “Borrow” and “Personal Loan” sections to see available cards.

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

If it’s not available, you can get in touch with the bank directly. Alternatively, you can request the card by calling Standard Bank or visiting one of their branches across South Africa.

More Details

The card offers a variety of benefits for your daily life, including:

• Access to Priceless Specials for Dining
• Up to 2 months free on Lingokids
• Up to 25% off your first Fiit subscription payment
• Mastercard Gamer Pass
• Up to 10% discounts on medical procedures with Mastercard

Additionally, the card allows you to earn 3x more UCount Rewards points, which is part of Standard Bank’s rewards program.

The bank offers different reward levels based on your spending and credit profile.

Overall, this credit card is highly effective for use both within South Africa and internationally, providing a secure way to make purchases online or in person.

Want to learn about another option?

The South African market offers various low-cost cards to the public, such as the African Bank Black Credit Card, with a monthly cost just over R60. 

In addition, the card provides good financial management through the app, and you can receive the card shortly after approval. Here’s how to apply.

Written by

Gabriel Gonçalves